If you’re struggling to pay a high premium, you need to compare insurance quotes and net cheap car insurance. And fortunately for you, we have four simple tips that can assist you find cheap car insurance in a flash.
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Some companies charge administrative fees to consumers who pay their premium monthly. If possible, pay your premium annually or bi-annually to avoid these fees and keep your costs rude.

Notice! Shopping for the cheapest car insurance and reducing your rate really can be simple!

Benefits of Tesco Pet Insurance

Some of the benefits of Tesco Pet Insurance include introductory discounts for new customers in their first year, an extra 5% discount for each additional pet insured with Tesco Pet Insurance, and there is no change in policy conditions as your pet ages. Tesco Pet Insurance also offers help and advice in finding a vet in any emergency situation, which can mean the difference between life and death for your pet.

Choice of Policies

Policyholders have two main options available to suit their circumstances and the needs of their pets. Resolve from standard veil, which covers the cost of treating sick or injured pets up to £2,500 per condition, for up to 12 months from the start of the condition, to extra hide which covers the cost of treating pets up to £4,000 per condition. There is no time limit on claiming this amount. Each policy must remain in force; otherwise, it will not cover the cost of treating your pet. Tesco Pet Insurance even offers additional coverage options.

Pre-existing Conditions

Unfortunately, Tesco Pet Insurance does not cover pre-existing medical conditions. If your pet has a pre-existing medical condition, you will need to either notice for alternative pet insurance or pay upfront medical costs.

What is Covered by Tesco Pet Insurance

Medical expenses can quickly add up, which is why it is worth considering pet insurance. Tesco Pet Insurance covers such conditions as heart disease, spinal problems, and seizures (dogs), fractured legs, road traffic accident, to lameness (cats).

If you would like to find out more about Tesco Pet Insurance or to receive a quote, call 0845 246 3838 or click here to go online for more details.

Source:

Tesco Insurance

This effort is dedicated to the former middle class of America. Those who are Nurses, Truck Drivers, Laborers, skilled and unskilled workers, Craft Workers, Bartenders, Waitresses, Service employees, Owners of small businesses, Window Washers, Cleaners of our buildings, Police, Firefighters, Teachers, Public Works employees, Industrial workers (if any unexcited exist), etc. All those who punch a time clock, all those that sell their one gift of life, time, to support themselves and or their families by earning a living in the United States of America. You know the former middle class.

Introduction

Over the years, many of my close friends have often said I should compile a book based upon my experiences, opinions and observations. Therefore here we go. This book is meant to form you think, make you laugh and most of all make you question the direction we are all taking either personally, nationally and as a society. Whether you are an executive focused most of all on your million dollar portfolio, or some poor working class person in America, who struggles to make it every day in life, this book pertains to you. Actually I hope George Bush reads it, or someone reads it to him! It’s an “airplane book” in a sort of way. It was my thought that if it could be read on one or two flights it would serve a thought provoking, entertainment purpose and help you to hasten your normal flight options. Sometimes what I tell you in its context is meant to be real in that it is potentially a realistic answer to a problem. Other times there is no acknowledge because the enlighten may be overwhelmingly complex and destined to wind itself in to oblivion. You survey, where we are, where you are, the dwelling we are in, is the culmination of results or consequence of our personal and or social decisions. To do things differently would require unwinding the quandary over as many years as it took to create. Maybe God or the Supreme Intervener or whatever it is, has a different view. Only time will tell. Keep in mind that, drastic change requires drastic measures and the US has become a nation of mealy wimps watching everything go down the tubes.

Chapter One – What Are We?

In a former life I was a progressive Union Leader with the International Brotherhood of Teamsters. Don’t throw away the book, keep reading. I would often address large groups where I would pose the following question, “What kind of society are we? ” Almost inevitably the response was over-whelming and returned as a “Democratic Society”. I would say, “Wrong!” We live in a Capitalistic society. There are people of power in this country basing all their decisions on the basis of what makes them more money. What makes their stock more valuable. How to fleece America for profit. This is all unfortunately too true. The great American society as we once knew it to include a single worker income with a home, job security, Sundays off, a family, etc., etc., etc., is gone. All the jobs which supported a healthy middle class here, now exploit work forces in third world countries. I want you to consider this. There should be a special import tax on any imported goods sold in our fifty states which are produced out side of those fifty states, if the manufacture of those goods was once here and moved to increase corporate profit. That tax should be equal to the amount of contributions which would have been made by earnings since lost, as Social Security and income taxes, and most importantly specifically stipulated to restore and maintain the Social Security System. We deserve this as a nation but we won’t see it because they’ve sold out America! Fewer and fewer employed paying in to befriend more and more un-employed or under employed on entitlements. We can fight a war for oil, American kids die, oil profits come plus 75%, billions and billions of tax payer dollars spent or worse borrowed but, but they won’t fund social security.

The extortion of America’s middles class, in the name of the War on Panic and the actions of the “Halliburton’s” and “Big Oil” amounts to TREASON and those responsible should be held accountable in the same manner as Saddam Hussein. Our priorities suck. Capitalists whether Democrats or Republicans, only care about money in their pockets. NAFTA was driven by capitalists, capitalist campaigne contributions, lobbyists, and other types of influence in Washington… Hey are you awake? General Motors is in trouble. General Motors god dam it! Get in your foreign car and believe about that on the way home. Once the middle class is gone your next. Once they can’t pay, you’ll have to and so on and so on until the last multi quadrillionaire has everything, claims he or she has . “WON”, and then sticks a flag in a pile of starving people claiming everything is his or hers. Dramatic, yes, ridiculous, no. Has it happened before? Why aren’t you a Roman? A Greek or an Egyptian? Because all great civilizations have fallen and they have all fallen the consequence of greed. We need to invest in ourselves as a nation. Now some idiot will say we do and we invest in education. I say to that person, “Are you really that stupid? ” We preach a first-rate line of shit but in reality we have devalued the worth of education so that soon you will need a master degree to wipe cars in a car wash. Corporations are so chubby of themselves they hurry totally focused on internal political alignment rather than performance and competence. I’ve seen it so many times. Promote those who are horrible to you and therefore you are not threatened. Undue those who are superior to you in ability so that you are secure in your position and therefore the most able. Go ahead Mr. Vice President of Human Resources and deny it. You promote what’s best for those to whom you record, not what’s best for the competitive success of the company and then you all doctor up a report to the shareholders telling them that chicken shit is chicken stew, slap each other on the encourage and calculate your bonuses. It’s all about driving up stock value and not about any type of tangible contribution.

This is what we are. This is what we have become as a society and as a nation. I would like to rent Yankee stadium for one day. I would like to bring back the dead American soldiers from World War 1, World War II and Korea and beget the stadium. I would like our political and corporate leadership to sit in center field and explain to those Americans why the top ten cars in America are Japanese. Why we are giving North Korea billions of dollars begging them not to build more nukes. Why our steel mills are empty. Why you can’t buy a baseball glove made in the USA. Why social security is going bankrupt and it does not matter. Why each American must work two jobs at half pay to survive and that gas is over three dollars a gallon. Then I would like to give those deceased vets their guns attend.

I remember when there was a quality to our lives in this country, Families mattered. A person had Sundays off. Sundays were for getting together, for reasons religious or otherwise. Everything was closed. People dressed in nice clothes and relaxed for the day. Holidays were like that also. Now it’s just another day with few token institutional closings to make it seem like a special day. They are lulling us to sleep and cutting us open and removing our vitals with so mighty finesse that most of you don’t know its happening. Think about the time they take your home because you can’t

Pay the taxes (only 20% of the town’s population is employed). If you are a planner at all, do a long term graph based on today’s trends and see if you don’t agree.

Chapter Two – Is it News Worthy

Do you watch the news? Do you read the paper? How do you get your information? If you’re like me it’s all of the above. Isn’t it amazing. I have never imagined I would see and hear the level of insanity I see and hear everyday on the news. I care for it when the spin doctors go to work. Let’s catch the recent hurricanes down south, around New Orleans. Several years ago my wife and I watched a show on the Discovery channel about the hazards of living on the east and west coasts, and in particular in New Orleans. The show went on to say that New Orleans was below sea level and protected only by outdated levees. The show continued to discuss the climatic changes and the inevitability of catastrophic storms as a result of global warming effecting America. Now consider this. When my wife and I lived in Loxahatchee Florida, we received a notice from our home owner’s insurance provider, Lloyds of London telling us they were dropping us not the result of any claims but as a result of projected pending increases in the number and severity of storms affecting our area. That was in 2002 before we relocated to Maine. My question is why doesn’t the discovery channel and Lloyds of London urge FEMA, they have demonstrated they know more?

The news media likes to take us on a little journey. I once new an idiot whose understanding of the truth was based upon the standard that, “It’s his sage, he’s telling it” therefore it is what is believed rather than what is, that is vital. They don’t lie, they bend, embellish and exaggerate to sensationalize. What is important is what they grunt you is important, not necessarily what is important. I don’t give a shit if Prince Charles visits the White House. Kids are dying in Iraq. We don’t need continued hype about approaching storms, we need facts. The tendency to promote the sale of bottled water and plywood over the years helped to create the conditions which worsened the effects of hurricane Katrina. Most people figured it was more bullshit and would just blow out to sea like all the others. Don’t cancel the cookout. The news which over stated so many storms in the past was not taken seriously in the case of Katrina. Are the News broadcasters guilty? Are news shows based on ratings? No brain’r.

We really are screwed up. Now we have an entirely new media to exploit called the internet. It must be true, I read it on the internet. Bloggers. $399.95 for the complete desk top from Dell (made in China) and you can be a self proclaimed expert on any subject. The Bloggers on the internet are actually threatening to replace the CB radio as the sole information source for some people. What ever happened to a little thorough research on a subject and then a relate which includes all the facts not just selected facts. Why isn’t the news more proactive rather than reactive. I’ve got an idea, how about a news show called, “If this trend continues” with Jon Stewart reporting. Topics for individual shows could be such as but not itsy-bitsy too, “Cost of Healthcare and the elimination of retirement at any age in America’, ‘ Labor Laws and competing in a global economy with our hands tied behind our backs’, ‘Selling your organs to pay for College tuition in the year 2010′, ‘War for profit, the Halliburton secret to success”, “Who pays taxes when we are all out of work”, and my favorite, “Basing your vote on the best TV adds”. Dreary or too close to reality. What’s important to you and why don’t they report on that? That, my friend is what should matter.

I’m not entirely against sensationalism in the news and there are a few responsible reporters out there who can describe a account and then demonstrate their disdain for it with a simple facial expression. Robin Mead comes to mind. She’s the best. In most cases the people I know don’t want to know what’s going on. They want to think they know. It creates a comfort level. Our government wouldn’t do that! There are no drugs here. These people spent too much time watching Leave it to Beaver rather than 60 minutes. If you take the time to section it all together from various news and information sources you rapid identify the larger scope of today’s social issues. Once you identify them calculate them into that long term graph we talked about earlier and then put that against a declining work force to see whose going to pay for them. Since you’re so confident you’ll be the last one working, how much will you have to earn to pay for it all by yourself? 200 billion a week? You’ll be alright; you’ve got that Bachelors degree under your belt.

Chapter Three – Religion

So your thinking, “This guy’s nuts”. Who in their right mind talks about religion? Too controversial. Well, I’m a recovering Catholic. That’s right, I went to catechism, high mass in Latin. I was raised by an insane mother who thought God did everything good and the devil did everything poor. That we were all incestuous offspring of two nudists who woke up in the Garden of Eden. Just when I thought I could name the Saints, the church changed the rules and some of them previously worshipped bastards fell from grace. Had to eat fish on Friday or you will go to hell. What happened to that one? Oh yea McDonalds, must have to sell burgers on Friday too. I watched all this crap as a young kid growing up and continually questioned it, which got me slapped in the serve of the head by one offended, drunken Irishman named Father O’Brian. If you are a good parishioner and your marriage is on the rocks, you are supposed to seek the help and counseling of the priest. That’s right, the priest, Sworn to celibacy, living in a isolated world protected from the pressures of the world by the donation basket and the nuns caring for him and the rectory not to mention the ladies

Guild. What in the fuck does he know? The most valid portrayal of a priest I’ve seen was on the Sopranos when the priest would come over to Tony’s home, drink his wine, eat his food and try to screw his wife, Carmella. After all he was aging and not so able to catch little boy parishioners. That’s more like it. Another good one is if you act in the suitable manner as prescribed by the teachings of the church, God will help you succeed. More bullshit. While you’re praying for guidance your piers are plotting against you and totally undermining you to ensure their success. You go down the tubes. There’s no justice.

If God thought that sex was so bad, why did he or she make it feel so good? One of those topics for my afterlife review if in fact there is such a thing. Go forth and multiply, but sex is a sin. Who performed the marriage ceremony for Adam and Eve? Protected sex is against the church. Are AIDS and some of the other diseases going around today better? In any case, all this religious application toward the thought process of life has resulted in major political and therefore social influences which resulted in wars, ethnic cleansing and other disgusting acts by mankind against mankind. As smart as we think we are this continues today. If you truly are a religious man with a religious wife raising a religious family by religious standards in today’s world, it is truly miraculous. I say my prayers every night but I don’t know where they go. They are hardly ever answered. I pray to be a better man, for my family and to hit the lottery. I’m changing my advance now and I’m going to pray that you derive this little book entertaining.

Chapter Four – Labor Relations and the Global Economy

I don’t mediate there is any one plot of our global economic competitive base that needs more attention. We are competing against a world where everybody else has an advantage and we are disadvantaged. Our controlling laws and standards which were drafted primarily between the beginnings of the 20^th century up until some minor changes in the 80’s are outdated. The National Labor Relations Act (NLRA), Labor – Management Relations Act (LMRA) and modifications such as Taft/Hartley were designed to deal with the issues and pressures of that time. Let’s talk about one little established legal action called a strike. As a Union Rep I often commented that a strike was a failure by the negotiating team to successfully reach an agreement with the employer therefore putting the burden of representation back upon the membership in the form of financial capital punishment. Nobody wins and everybody loses. In a global environment, foreign competition gains market fragment, ours loses. Employers survey an advantage to moving to a controllable labor environment, shipping jobs to the third world, as a long term path to their success. Keeping it brief and not doing justice to this issue, Unions in America and elsewhere need to set themselves as the, “preferred provider of labor” by training their membership and by offering a higher level of productivity creating long term employment and job security. Dump that strike language and adopt a binding arbitration system based upon the following;

- A Parties plot must provide a highly competitive base for the operation of the enterprise.

- A Parties position must provide for the long term security of the workforce by providing continuing employment.

- A Parties position must align with the mission of the enterprise.

- A Parties position must provide for Quality of Life for all employees.The Arbitrator should be compelled to award an all or nothing decision based upon which party meets the conditions of the settlement guidelines or standards. This type of process would in actuality force the parties to fade closer together during negotiations as they try to prevail by the standards of award. In most circumstances there should not remain enough distance, between parties, on issues, to create a continuation of a disclose but more likely resulting in a packaged, agreeable settlement.

I would be remiss if I didn’t take a minute here and explain I’m not union bashing. If you want an example of a modern union with great leadership take a look at the United Brotherhood of Carpenters. Under the leadership of General President Doug McCarron and others like Doug Baines, Andy Silins and Anthony Graziano, they have developed a Area of the Art Training facility in Las Vegas. They have pulled out of the good ole boy standards of the AFL/CIO and are taking a progressive and positive stance in dealing with their employers. They have become the preferred provider of the highest skilled labor and therefore the most productive workforce building today’s power plants and other types of highly technical construction and installation projects. All our hats should be off to these guys as they really are putting America to work.

Chapter Five – The Promises of the 60’s

Let’s get back to some fun stuff. I probably lost you with the Labor dialogue, I hope I didn’t but I might have. I hope you can remember the 60’s. If you are older than I am, I was born on 03 / 05 / 50, you hated the 60’s. If you are in my age group, you’re trying to figure out how to get support to the 60’s. If you’re younger than me you probably have a distorted view of the 60’s.

In the 60’s:

Rock and Roll really had a beat that made you want to dance. Rock and Roll, ROCKED BABY!

Pot was cheap and twice as strong as today’s’.

You could bewitch a car the way you wanted it, colors, motor, tranny, radio, etc.

You could quit a job in the morning and start a modern one after lunch.

AMERICA WAS A MANUFACTURING ECONOMY!

TV was simple, you had about four or five FREE channels and the youngest kid was the remote control.

A high school education was something to be proud of.

Girls were easier.

Boys were harder.

You didn’t risk your life making love!

The Vietnam War was raging, young men were dying; Politicians were deceiving the American public. Now? No then! Well, now too!

We had the Beatle’s, the Stones, Motown, Jay and the Americans, the God dam Beach Boys!!

Good times, the best of times, no fears, no guilt, shipshape air and water, cheap rents and beer.

Transistor Radios the size of a pack of Cigarettes.

Drive-in movies,

Gas was 30 cents a gallon, etc.

And last but not least, MINI skirts were everywhere!

The 60’s did not have:

Marilyn Manson

Cell Phones, (you had to expend pay phones but the cost was a dime!)

Satellite TV, the cable snake; XM Radio

Aids

Foreign Cars as widely seen as today. They were called “Jap Crap.”

Hard Rock, Screaming Rock, Rap.

Bottled Water you have to buy.

Rampant unemployment.

The Bird Flu

Total disillusionment, period.

It was fun times, where America (as it used to be referred too) was number one in the world. My civics class books used to show China as a starving farm land, populated by people who carried two baskets hung on each slay of a pole, carried across their shoulders. Teachers used to show us “pie” charts indicating America had all the natural resources it would ever need, it could FEED the WORLD! We were it man, we were it! Russia was the bad guy. Them Russians man, Khrushchev banging his shoe yelling, “We will bury you”, turns out they were all wrong, those crazy Russians. The Japanese bought us, the Arabs control us, the third world has all our manufacturing, and the Koreans have all our money. Drive-in movies, to a great extent, no longer exist! If you ask me, that was the imprint of the beginning of the end, right there. Basically let me summarize what happened. Why you live in anguish. Fear of tomorrow. We were raised under the “Mushroom” theory. That’s right. We were kept in the unlit and burly of shit. They told us so much bullshit; Americans were in denial that things were being sold down the river. That’ll never happen to US! We’re number ONE! Hell, George Bush and the Bush Cartel, still assume that you’ll gain anything. Yes folks, they are marching us toward the branch covered hole and telling us not to pay any attention to the guys with the guns, lining the rim!

We don’t really want the 60’s back. We want that feeling of greatness supported by accomplishment and security of our futures based upon living apt, and working hard, after all, it’s the American dream. Is all hope lost? Probably.

Chapter Six

I Got to Pick Up Out of This Place – Earth!

There’s about a snowballs chance in hell, of ever turning this accelerating spiral to doomsday, around. Some people think it’s all been predetermined in the Bible, by our Friend and Savior! What a lousy joke for him / her or it to play. More likely it has been predetermined by the stupidity of Man. Let us fantasize.

How about a political party called, “Americans for America” whereas all political positions and goals will be focused upon the intent to stabilize the standard of living for Americans, create ZERO National debt, pay as we go. A party that recognizes the world as secondary to the America we should be, therefore allowing America to positively influence the world. The transition of the world to a higher standard of living should be more gradual and developed along some plan or strategy again focused upon the improved standard of living for the effected populous. Slowly region by status supported by our own strength of standards, America could help develop product demand and manufacturing based upon regional stabilization, inquire of and economic development rather than capitalistic fleecing. Opening to outside markets should be scheduled to coincide with that regional developmental economy attaining success and stabilization creating parody with the other trade partners. In the same thirty and counting years it has taken to gut America’s vitals, weaken the sensible leader, and put all the world at risk, we could have created several, nine or ten, regional stabilized economies in places like Africa, the Arab world, Eastern and Western Europe, etc. At that point in time creating a global economy would not create the dismantling of any one participant. The only justification for the advance we have seen taken was corporate influence for the sake of capitalistic gain. Man, what are you talking about? It all makes too much sense.

I don’t believe that anyone really has a doubt that this whole climatic, social and improper mess is going to collapse. It is rightfully so. We are the cancer of “Mother Earth” and nature has a way of dealing with problems like us. She has all the time in the world to wait once we are wiped out and allow the earth to cleanse itself back to clean water and air, green trees and peace of nature. If you disagree, go pet your dinosaur. But it is fabulous and we are lucky enough to live during the times, when we survey ourselves totally out of control and insane, attend her along.

I’ll issue you a fair challenge. I want you to watch a program called, “Real Time”, with Bill Maher. At first you will only ogle the Liberal side of the show, but as you continue to watch you will see that the conversation and debate on that show, exposes all sides of an say. There are some absolutely brilliant guests on that show representing the conservative point of view. I have learned more by studying Real Time than I have anywhere else. If I had to summarize the desired resulting idea process necessary to put the world’s civilization back on a obvious track, I would say there should be no liberals, conservatives, capitalists, terrorists or any type of religious fanatic. There should just be what is currently most lacking. Thought based leadership based solely upon common sense.

Chapter Seven – Death

Dying is the only way we are ever getting out of here. Death makes no sense to me at all. I can’t grasp the concept. You take a wonderful being who has gained all this knowledge, built his or her legacy, large or shrimp, and then they’re gone. Love and all. Hate and all. Whatever the case may be, they are gone. Kind of senseless.

We are the only animals on Earth to live with the knowledge of death, supposedly. Now there’s a gift. I’d rather not know, how about you?

I once watched a documentary on death where it was proven a small energy pulse leaves the body upon the precise time of death. Could that be our soul? Flying in tall jets kind of finished off my understanding of Heaven. What is that energy and where does it go? I have also been told that what is naturally here on Earth must remain here on Earth. We all know that electrical impulses are what sustain us breathing, our heart beating, so when this energy leaves our body what does it become? There are many interesting beliefs that come into play with this gem of notion. Are those energy forces Ghosts? Are they what some fill is the basis of reincarnation? Wow, follow me on this one. Do energy forces continue to sustain memory and preserve intelligence? Is it in our ninety percent of unused brain that these energy forces reside, hide and appear at some later time to achieve mankind? Interesting stuff. Of course I’ve just ticked off all the religious thought based people who read this book. I know, we all go to heaven regardless of religious beliefs, or denomination and if you are a Catholic even if you are the biggest scumbag ever lived, you go if you go to confession and salvage the last rights!

Where do “we” go? We remain here on Earth. When all this “stuff” is looked at it seems as though the scientists have the best ability to execute somewhat of a believable scenario. When some of us gifted with ESP. or other types of paranormal abilities, claim to be able to justify by some means, life on the other side, science is quick to dismiss any such claim. You need lawful evidence which cannot be provided. But I’m not so sure. If you step back and just look at what’s going on, it all fits to well just to be an accident. Documented claims to reincarnation go yet unexplained. Visionaries and profits, how about them? I’ve seen it when a dog howls the night its master dies with no way of shiny what had occurred. How does the dog know? All this stuff, we have created about death forms a smorgasbord of possibilities to allow each individual the opportunity to pick what’s most pleasing to their palate. Death is too important, affects us all and is the purveyor of so many mysteries, to not be explored. Maybe it should be the next colossal frontier or maybe it’s just simply when you die you die, that’s it. It has been proven the human mind is not capable of comprehending infinity, maybe death is infinity? Oh you can say the word, know what it means, but I’m talking about really understanding it. No beginning and no end, on forever, never getting there, no middle, no front or back, no top or bottom no dimensional limitations whatsoever. Try to vision it and your head starts to pain. From our first breath here in this life, everything we are exposed to is dimensional including our life!

But we know Space is infinite! Yet things are born and die in area. Planets are born, stars nova, comets are formed; there are gases, minerals, asteroids all kinds of stuff. Where in the hell did that come from? The Father of infinity? What was there before space was there? A vacuum? What created the vacuum? What surrounds the vacuum to retain it absent of any matter or gas? How can you surround infinity? Wow! Remember I warned you, you can’t truly comprehend infinity. You start thinking in terms of a beginning and an waste. You start thinking dimensionally. Well, maybe that puny pulse of energy is infinite. Maybe it visited a non infinite being for some yet undiscovered reason. Maybe life itself creates all the confusion as upon conception it steals a little piece of what otherwise would remain as infinite cosmic energy, and uses it for a “battery” for awhile. Whatever is going on seems to work even though we can’t understand it or score the consequence of its end. What all this tells me is to like every day, fill your life with people you love and love you, be good to as many as you can, never kick your dog and be content with your position in life. Just do the best you can. Who knows, what is most important about a life maybe the smile its memory creates on someone’s face after it ends. But do me one little favor. The next time there is one of those really distinct nights, with a full moon, drive to a dark, and remote position away from any city lights. Look at the sky with all those stars and planets and try to contemplate infinity without wondering what’s on the other side. There isn’t, “the other side”.

Chapter Eight

The Only Real Differences in People

We are all aware of the different types of people inhabiting our planet. Differences which provide the basis for class or individual discrimination. We discriminate based upon National Origin, Hasten, Sex, Size, Age, Religious Beliefs, Political Beliefs, Financial Holdings, and Education. There are probably more examples but these are enough to make my point. These people on the receiving end of this discrimination whether it be illegal, or legal but immoral, composed remain a spoiled section class, where it should be determined if in fact these people have attributes. And, guess what? They do. I believe there’s only one characteristic which justifies discrimination to anyone, non-discriminately. I think we should openly and vigorously discriminate against assholes. Yes, you know what I am talking about. Hitler was an asshole, discriminate against that bastard. History is full of assholes that got away with a great deal of bullshit which hurt many people in horrific ways. I’m sure you can think of a couple of assholes just now, maybe sitting next to you. Fuck them, discriminate against them every god dam chance you get. If everybody is discriminating against you, and you can’t determine why. You’re not burly. You’re not black, yellow, short expansive, overly religious or any of that. As a matter of fact you’re probably a fashion model, movie star or something. The problem maybe, you’re an asshole. You fuck over everybody with your stupidity and self centered nature. Maybe your kids are undisciplined assholes, and everybody knows it, the reason is, you are in denial about their behavior. That makes you the mother or father of all assholes. There have always been and will continue to be a large portion of society which are assholes. All the laws of man have been established based upon the great need to deal with assholes and asshole behavior. That is the problem, the real struggle of mankind. It’s not good and evil, black and white, Arab and Jew, Republican and Democrat, it is assholes against non-assholes. I say, kill all the assholes and the world will be so great better. That’s right, the next time you are pulling into a parking place and someone speeds in just before you, extinguish them. The next time someone cuts you off in traffic, boom, gone. It was supposed to be the natural order of things back in the early history of man. The non-asshole cavemen were more loving and supportive of one another, their families and tribe. The asshole cavemen were banging each other’s mates, stealing each others food, shirking their responsibilities around the cave. They were not supposed to survive. They were supposed to freeze without firewood or saber tooth tigers were supposed to eat them. But some of them made it. And guess what? They’re having sex and multiplying. Yes these assholes are not without influence. They have joined together to influence every corner of mankind. Asshole lobbyists have greatly influenced our laws and government. Why we’ve even had some get elected President! One got in even without a majority vote of the populous. Yes these are sneaky assholes and we really should do something about them. I am unnerved sometimes because I think within this overall rule by a majority, the assholes have greater numbers. They can then pass laws protecting themselves from what should otherwise be a natural outcome. They may even decide to begin killing non-assholes. Could you imagine the fate of non-assholes like you and I when there becomes total control by assholes? That may be when politics comes into play. We will disguise ourselves and our beliefs to align with theirs. We will disguise ourselves as assholes! All pretty crazy. Joking aside, it is the nature of mankind that creates these antagonistic differences. Somebody doesn’t do something the way that you do, or respond in a manner that you approve of, that person “irks” you. I’ve heard it my entire life. “Irk,” translation, “To piss off, frustrate or enrage, generally create dislike for ones self. Irk(s) the emotion created by someone performing an act, making a statement or gestures for which you do not approve.” Many of us walk through our everyday drudgery getting irked continuously. You can not look in any direction, at any topic or area of everyday life and life’s events and see anything positive. Everything is terrible news all of which falls directly upon you, the individual. This my dear friends is why we have terrorists, why people hate other people to the point of massacre and genocide. Some may be more controlled than others, such as financial and/or social genocide, such as we are seeing here in this country. Some may be more directly obvious such as the mass graves we see in places such as Africa and have seen in Western Europe. This is all the nature of the beast that we are. You can’t change the core nature of DNA; simply by thinking you can use education as an accelerant to evolution. The nature of Man is the root cause of our insanity, and will be what causes the end to his reign.

Chapter Nine

Justice

America the powerful has become a nation of “Bleating Sheep”. I probably should not have been that direct, but I hope I have your attention. We punish our own to protect the rights of others who, follow me on this, have absolutely no deserving reason justifying any entitlement of any rights or privileges and whose actions and beliefs are of such a vulgar and distorted value that their own existence is best terminated. Wow! I watch and read how persons are beheaded, women and children and innocent men are systematically slaughtered, mutilated and thrown out with the trash, and then I listen and read where people in this country are upset because one of our soldiers allowed his dog to bark and snarl at the same type of terrorist character’s balls. Fuck You! We will sink so fast based on our own self righteous beliefs and that broadcast of weakness will make us the weak target the world sees us as now, to even a larger scale. Hey let’s go fuck with America, at a minimum they’ll give us billions to stop! If you think I’m kidding, what do you think Candeleeza Rice is doing in Korea? You need to understand. There are beings in this world that have not evolved into Humans. They have evolved into animals. With the support of do-gooders like some in the U.S., their continued deviate evolution not only continues it feeds and grows. I know, our higher standard, well shit on that. Let’s say someday they are courageous enough to show their numbers here in the U.S., and decide to attack a shopping mall and slay, slaughter, dismember rape, desecrate and gut all those innocent shoppers in the name of Allah, or Osama or Donald Duck! Doing this act in their shit for brains mind and getting killed for it makes them go strait to terrorist heaven. Now if you’re one of those people who are appalled by my point of view, suppose YOU were there shopping that day with your Daughter, Granddaughter, any loved family and friend, and one of these pigs held you by the hair ripping your blouse commence, while his buddy grabbed your kid, held his head help, and while you were watching and begging for mercy, shoved a ten inch knife through your kids throat from back to front so you could watch the blade exit in front of your very eyes. Then, while that corpse was falling to the floor, the one holding you would cut out your eyes so it would be the last thing you ever see, if in fact you survive, while saying to you, “Tell your American President that Allah is apt, Allah is tremendous and all you infidels will suffer this fate.” Because, Ladies and Gentlemen, that’s what these animals are like. They fantasize about the ability to do that sort of thing to all of us. That’s what they mean by, “Destroy all of US”. People here act like that means prove up at your house with a Tupperware container full of cookies! The accepted reality of their choice to participate in terrorist behavior, justifies in my mind, like treatment in return. We ought to acquire an airplane with them and fly over their hideaway and drop them on top of their buddies. That’s one they can’t do, we control the air, and our government’s Air force ought to use it.

If the understanding of free flying terrorists screaming all the diagram down toward Earth, until they break through their buddies tent roof and slay them too, doesn’t suit your need, what does? What do you think has to be done, in a manner they understand and can relate too, that will deter them from their insanity? Do you believe that we should send in the Red Cross armed with enough Thorazine injections to aid them see the light? One time I was involved in negotiations for a collective bargaining agreement for the Daytona Police Department. The Attorney representing the City of Daytona Beach commented on my response to a City position by referring to me as, “an eye for an eye, guy”. I responded by saying, “Do not be confused, I am a head for an recognize, guy”. The one concept that is seems Americans and the world cannot understand is that there are cultures such as we are dealing with in Iraq that live and breed to Loathe and Die. Look at the example set by “our” side during the hanging of Saddam. I was disgusted. It seems as though we should have location an example of high standards rather than taunting the man being hanged minutes before his death. What I got out of that is that “we”, our side, is no better than their side! We should have just hanged him and turned the body over to his remaining family. Let me manufacture it clear I support this as a procedural execution. In the streets, reap what you sow.

Where is this Justice that we all reflect exists? The court system or legal system is nothing more than a game. It’s all about money, tactics, technicalities, positioning, strategies and legal bullshit. You know what I am talking about. How about that little girl in Florida, taken in plain glance on video, found raped, beaten to death and buried in a shallow grave. Then the person who did it, he’s on the video, shows up in court and says, “Not guilty”. How about the same type of spot and the criminal, although found guilty, is given a light sentence, or some therapy sessions with the Judges’ cousin and let loose? All this crap wears me down. I can’t understand it. I sure as hell do not want to write about it anymore. I reflect things should be resolved along a more equitable means.

I think if:

You rape or intentionally injure someone, a child, an innocent woman, or anybody by some means; you should reap what you sow. Whatever you did, should be done to you. Take one of these deviate bastards, hand cuff them, do them in a cell and let the victims family go in there and beat them with claw hammers. That’ll send a message.

You commit a crime with a gun; you get mandatory life in prison without parole. I assume that works better than harassing profitable citizens that devour shooting sports. Besides, the NRA has become too political because of our legislative approach to resolving gun issues. They are so narrow minded they support political candidates based upon a single express, which ultimately effects us all. In my opinion focus on the criminal, and don’t pussy foot around, maximize the deterrent.

Finally, if you are at war with us, as a terrorist and you are captured, you get dragged through the streets at which your roadside bomb killed Americans who were sent there to try and stop the genocide of innocents. I don’t care how you’re treated, you have no rights, you wipe your ass with the Geneva Convention standards. You deserve nothing, and you’ll glean less. You waive rights with your behavior. They live to kill us because we are Americans. That’s it. Kill them American infidels! I say fuck you die you bastards die, die hungry lying in your possess shit but die now the sooner the better and go to Allah fucking heaven! You may assume I’m a radical from all this, but nothing I have put down on this paper is as radical or as stupid as continuing with the practices being employed at the time I write this. If you can’t understand that, I can’t support you.

The “Bush War” or “The War to Increase Oil Profits” however it will go down in history, is over and has been for some time. The blurring with the beginning of the civil war in Iraq has many confused. For some time now I have been telling my friends the country, Iraq, should be divided by group. Fair share of oil reserves to each. Appropriate land per capita. If an Iraqi decided he or she is not going to move to the area appropriate for his/ her beliefs. The others will most likely extinguish them. NOT OUR PROBLEM! Ever hear of East and West Germany? North and South Vietnam? Besides, then we’ll know which ones to bomb.

Chapter Ten

Trash

When I was a kid, soda came in reusable quart bottles, coffee came in thick paper cups, and groceries were carried in thick brown paper bags. Whatever happened to these products? As we are all so aware that everything is now plastic we should be equally aware that plastic is petroleum based. That’s right petroleum based. Why do we need some of these products which obviously would better serve mankind by being eliminated? Coffee used to taste great in those paper cups and you could save them to use to start your seeds for spring planting. Grocery bags used to serve many purposes up to and including making great book covers. How about cotton and wool clothing? You know where I am going. Products which were based upon renewable resources, created jobs here in America and were better than their plastic or synthetic counterparts. Where did they go and why? I smell capitalism at work; could it be there are greater profits in products derived from petroleum? Today, right now, there could be no better time to return to utilization of products derived from renewable sources available here in America. Oil producing and therefore controlling nations are looking at us like a wolf sees a rabbit and they are right. We are on our knees to these countries and having some as friends is not going to be any succor in the near future. The best thing about these products from renewable sources is they disintegrate over time when discarded. We have mountains of trash growing daily from the dumping of unimaginable amounts of trash everywhere. Some of the stuff we throw away will last a million years before it is broken down by nature. Is that why some people do not care? We need to adopt mandates which provide for the reintroduction of some of these simple products into mainstream America. Go abet to washing diapers, paper trash bags, reusable containers, bulk sale items, better quality items which last longer including appliances and furniture. We need to derive rid of this throw it out – get a new one mentality. We need to expand upon renewable products to include automobiles and other big ticket items. An example would be interchangeable bodies to chassis on cars, engine exchanges for upgraded efficiency, recapped tires on an improved technology basis. I could judge of a million of these types of “out there” concepts but, my friends; they all fly in the face of today’s priority, convenience! As part of our energy development program we should include the development of non-petroleum based products to replace petroleum based products, and reusable, upgradeable products and long “life” products to stop the overturn of throw away products filling our dumps.

Simply said, “If it’s not reusable, recyclable, upgradeable or have a fifty year use longevity don’t make it or sell it or import it. If it can be made from a renewable resource but isn’t, don’t make it, sell it, import it, grasp it or employ it.

The FINAL Chapter

The ‘BIG’ one -Fantasy or possibility!

Sooner or later the middle class of America is going to become totally outraged with government by the rich and famous. After all it was never the intent of our Forefathers. There has always been talk of the coming revolution in this country. I have considered the alternatives to a war of weapons with our own government. Although thought inevitable by some of our radical militia groups, not very realistic a concept. I think if a revolution occurs it will be based on the one thing that strikes home to every capitalist at every level whether governmental or corporate. I think it will be a war of dollars. I think Middle America is going to say, “Why should I wait for you to take it, I’ll cash it in now!” Imagine if the middle class could all come together, finance everything they own, turn it into cash, hide it, move it or take it with them out of the country. Then, quit their jobs, sit back and tell the government, the banks, the insurance companies and everybody in between to fight it out for the remains. Property values would shatter, our entire system would crash. That’s right, a revolution using the system to beat the system.

Imagine if;

At the end of the “Bush” era, America was on its heels. Trillions wasted on a senseless “war” for oil profits, a split Republican Party, and a total loss of faith in America prevailed everywhere. Social Security was all but bankrupt and actual unemployment was passing the fifty percentile of the work force. I need to comment on this unemployment figure. The government continued to spew figures showing unemployment at between four and five percent. Let’s look at it more realistically. The unemployment roles do not show workers beyond one year from lost employment, they disappear. Nor do these statistics gather the numbers of under-employed, those who had earned upper middle class wages, now earning poverty level wages. Assume this. The bad have never been effected by a dying economy, as they exist on entitlements and menial employment which is usually not cashed in on, overseas by the capitalist profit takers. The rich exist on inherited, invested volumes of money hardly the result of week to week paychecks and therefore isolated from the declining economy. More likely these invested amounts were heavily placed on the corporate, capitalistic strategies which led to the demise of the middle class, profits taken from BIG oil, etc. Understanding this, the total of unemployed, under-employed, early retired, displaced, misplaced and thrown away workers smacks hard and directly on the Middle Class. Since government statistics include the entire population at four to five percent, those percentages would probably more accurately be fifty percent of the middle class!

America, in what turns out as the last election as we know it, elects a woman President and a same party, one-sided House and Senate to help her introduce change,

By this time GM and Ford have taken on subsidiary roles in mergers with foreign automakers trying to protect the value of the shares for their investors, and assisted by intervention by the Federal government in an effort to avoid chaos. Although timelines are vague, the disgust of the American voter becomes more and more evident. Demonstrations are everywhere; people are losing their homes, only the rich can afford health care. Oil and gas along with related energy products are so costly, people can no longer heat or frosty their homes, automobiles are abandoned everywhere, things are basically, “in the crapper”.

Somewhere along the line during the Bush Administration, a new organization began to develop, to be known as “Americans for America”. This organization began a grass roots effort to bring change to America, focused upon an all or nothing goal to restore the middle class. Having a philosophy based upon the theory that to try and live in the remains of America, was far worse than many alternatives. The realization that around the world, places existed where people could go with what would be a “pittance” here and live quite well based upon the exchange values of those economies. And seeing that alternative as an acceptable contingency plan if ending as a failed strategy, the Americans for America party began challenging the systems mature and exploited by those in power. Choosing the year 2015 as the peak of their efforts, the AFA began holding seminars for the disgusted citizens explaining ways to hide income, if any, shroud any holdings, over finance any assets and basically cash in on all available monies as individuals, families or groups, culminating with a mass exodus from America occurring simultaneously on April 15, 2015. This massive exorcise of protest would bring the corrupt government to its “knees” as continued operation of all programs would be impossible. The AFA, representing about thirty percent of Americans, would pull off the greatest of all revolutions seen in the history of the world and do so in a way that the capitalists would understand. They shut off the pipeline of dollars. The investments of the rich collapsed the terrible remained unaffected as their lifestyle changed very little and America would be changed forever. The AFA sent the message that, “We will choose when we no longer exist in America, Not You. We would rather leave with what little advantage we have left, than to wallow in the cesspool created for us by the capitalists disguised as Republicans and Democrats”.

When the world became aware of the actions taken by this large group of Americans, all economies became at risk of failure. Only through the efforts of many friendly governments and the United Nations would a certain outcome be possible.

A new structure to Congress would require an equitable number recount Middle America. Old technicalities and complications of law would be thrown out and a new more favorite sense arrive would apply to all aspects of American life. For example the strait ten percent income tax became a Constitutional amendment. The elimination of ninety percent of the previous tax department (I.R.S.) saved billions of taxpayer dollars annually. Elected Officials to Congress were provided an income equal to the median income of their constituency. Lobbyists, lobbying and all forms of contributions to elected officials were banned and elections became taxpayer funded and controlled. These types of dramatic changes would be the only cause for return of those Americans, who risked everything to restore America to what America was meant to be. Through this action and only through this action could, “Pursuit of Happiness” once again be realized in America. The power of clean government continued to display its high level of sensible application to remedy all types of circumstances. Another example is that all foreign abet was stopped cold. The only aid to be granted was based on humanitarian need. We became less a target for anti-American organizations because we were not using our dollars to influence their government for self serving, political, capitalistic reasons. We become the leader of the World, by example. The slay of billions of corrupt dollars given away overseas, provides financial availability to be used for accelerated recovery when utilized for humanitarian purposes. The continued down sizing of government and rational, radiant use of taxpayers dollars provides for increased programs for development in the United States creating more high paying construction and related employment. And the restoration and true the improvement of the Social Security system is realized. The infrastructure of America would be rebuilt.

The sensible approach by a government, having an equal share of power to the middle class, could enable many advances in all areas. How about access to college based upon ability. How about a school system which allows students the ability to self advance in areas of contemplate they come by easy, for which they have greater aptitude? How about a criminal justice system based upon convicted prisoner accountability? I always laugh when, whether watching a television show or in a conversation, I hear, “That person paid their debt to society.” The truth is that person of reference did nothing but create additional, useless and non-productive debt, to society. The law abiding paid the debt. Prisons should become training facilities where prisoners are released only when they have a skill which will generate both an income for themselves and repayment of an “incarceration loan” to the taxpayers. Our current system provides only greater costs, more incarcerations until you are better off being “in” than you are being “out” and having to pay for it!

If I can push your imagination, a realistic, common sense approach may be applied to all challenges facing mankind. Answers are less difficult to see if you remove capitalistic interests. A realistic come tells us;

Take care of your have so together everyone can take care of others.

Invest in your people and that is an investment in improving mankind globally.

Recognize the importance of a strong economy as a tool to secure your social structure, not to be exploited.

The more laws you create indicate the failure of your society.

Persons of little real value, but of political authority are cancerous on society as they deny the truly valuable persons opportunity to lead.

Political participation is a “loud” process and should be heard either directly or indirectly, but never be silent!

Closing

I thank you so much for having taken the time to read what I have written. Love what you have read or hate it, I have made you think. Although I presented some very unlikely scenarios, what could be more unlikely than the reality of the events bringing us to where we are today? Greed for profits has given away the strength of what was once the greatest industrial power, and left America an empty “shell” forced to lead the free world with its army rather than by example and guidance. What a failing on our part. History will look at us as buffoons of the past. Those that had it, exploited it, gave it all away and then tried to control what was lost. War has never made sense but at time was necessary to protect one nation from another. We look back at Alexander, Caesar, Napoleon and others as heroes when all they were was successful takers. Killers of thousands. But at least they fought with honor. Not like today where the enemy intermingles with the populous, fights from shadows, practices atrocities amongst there own brothers and sisters. How can you fight that? If nothing else is clear it should be that in such a case the internal genocide is a sickness of the civilization in itself and not curable from the outside by any third or fourth party. It must be dealt with from within.

Wherever you are in this world, as a member of the human race change may happen. In America we need to focus on purpose. Our purpose should be the well being of America which then in turn provides us a better position to support the world. A extinct America has developed the world into an “Alfa absent” wolf pack. There is no respect for failure and incompetence and that is all America can display from the mid 60’s through to today. Everywhere you see we have given it away. It is my strong belief that social genocide is no less an offense that physical genocide, therefore we are guilty of perpetuating genocide on our working middle class. Blue Collar America is now Blood stained, Red Collar America. While people like and including the Bush’s, the Kennedy’s

and the Clintons, amongst many others, continue to run things, set the direction of things, socially and politically there is small hope for the rest of us. The whole focus for the next election is being established as the war in Iraq. Although a major concern, the war is only a tiny percentage of what the next election should be about. We should be out of the “war” today! We should have presented to us as voters each candidates plan on restoring America by creating jobs that people can actually survive on and long term maintenance of those standards by proposed Constitutional changes. We should ALL HAVE QUALITY HEALTH CARE without it bankrupting families and the elderly. We should have a realistic conception to deal with lawbreakers other than extended free housing. We need responsible management of our educational dollars based upon opportunity value, based results. We need to stop giving money to the UN for it to give to North Korea and China. Any aid should be strictly focused on humanitarian needs. We need to finish genocide anywhere, anytime any flavor, whether it is physical or social. We just need more people to become aware of what is happening here in America. We need to make America strong again economically and once we near that point we need to lead the world forward on quality of life vs. economic exploitation.

End

Special Thanks To:

“Grandma Rose” always in my heart,

Mr. Ron Carey, the greatest Labor Leader ever,

Dr Jon Goldstein, economist extraordinaire,

Mr. John Hanson a honest liberal and mentor,

Mr. Bill Murphy, Department of Labor education, U.M.O. friend and mentor,

Mr. David Kornreich, Esq. friend, mentor and example of excellence,

The members of the International Brotherhood of Teamsters, for whom I was so privileged and proud to serve.

Members of Maine’s Police, Fire and Public Sector which I was so proud to represent,

Mr. Jim Libby, friend to the end

Mr. Nicholas Lombard for teaching me about fairness and respect,

My wife Dorothy

My many friends and supporters

My Father, for walking picket lines on crippled knees

And last but not least,

My Son Ernest IV for his undying friendship and support

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Pre-existing Conditions

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Source:

Tesco Insurance

Station Farm is the largest insurance company in the United States and also operates in Canada. It offers not only the popular auto insurance but homeowners and life insurances as well. They are also beginning to enter the finance industry by creating their own bank. State farms goal is to be “Like a Good Neighbor”; to be there for you when something goes wrong and to help restore you to your status prior to the unfortunate incident. Place Farm is a trusted insurance company in an industry that is fraught with negative perceptions and fraudulent behaviors. Although I have only been working with State Farm for a short while, I feel I can help explain how the insurance industry works and hopefully aid lay to rest some of those negative stereotypes.

First and foremost I will explain why people prefer insurance. The purpose of insurance is to protect a person’s financial location at this moment. It is unlikely that anybody could afford to pay $5000 out of pocket if they got into an auto accident or their house started on fire. It would cause a huge financial burden and the purpose of insurance is to relieve that burden. It is meant to give people peace of mind knowing that if something were to happen it would not kill their finances. Next, I will explain the process of how an insurance company decides to accept or reject “a risk”. A risk is what is being insured such as an automobile or house. The potential customer contacts an agent’s office and gets an insurance quote. This quote is generated out of some simple questions about what is being insured, who is asking for the insurance, and the types of activities will the potential insured object be involved in. These factors are then compared against similar data that is already known, meaning there are statistics out there that can tell an insurance company the likelihood of a loss occurring with regards to obvious factors. For example if you are trying to insure your 2005 Pontiac Grand Prix and are a 20 year old male living in a expansive city, there is data to support that you are more likely to be involved in a loss. This data will affect whether or not the company decides to insure you and at what premium or cost to you. The process of deciding to come by or reject a risk is called underwriting.

After the underwriting department decides to accept your application for insurance, a premium is determined. There are several complicated formulas for determining your premium but for the most part they are calculated by looking at past experiences using industry wide data. Congratulations, you are now insured. What happens next is that the insurance company gives you your policy that contains everything you are insured against and the exclusions. There are many different policies that can be purchased based on the individual customers needs to I will not discuss the specifics.

So now that we know what goes into obtaining an insurance policy let’s find out what happens when you suffer a loss on your insured object. For the sake of explaining the process lets go benefit to the example of the 2005 Pontiac Grand Prix. Let’s say that you had the car insured with corpulent coverage auto insurance, meaning you have protection against damage to your car, damage to another’s car or property, and injury to yourself or others. There are two different types of losses that can occur with an automobile. Collision is where your car collides with another object other than an animal or turns over. Comprehensive handles losses that involve hitting an animal, vandalism, harm from floods, earthquakes, winds, glass breakage and so on. So one day you are driving down the road and you rear end another car at a stop light because you were not paying attention. What do you do? You have your car taken to a body shop and accept an estimate of how distinguished it will cost to repair the damages. At State Farm they have Select Service shops that you can take your damaged auto to. These body shops have special agreements with Place Farm to fix autos at a discounted price to the company and the process is much faster to the customer. If you do not bring your car to a Select Service shop then a State Farm inspector must go to the shop where you have your auto and inspect the damages themselves which and take longer. The Select Service shops have the trust of Area Farm due to their agreement so no inspection is needed. Once the shop has estimated the damages they send the estimate to Place Farm to be looked over by an associate. This associate must determine who was at fault for the accident, if the estimate is in line with the damages on the car and then determine if payment can be rendered. In most cases, if coverage exists there is little reason to deny a claim. To decide how much is paid on a claim the principle of indemnity must be feeble. Indemnity means that it is the insurance company’s responsibility to restore the person insured to their traditional financial status with no more or no less. In other words the amount of money to be paid will be equal to the amount of money that it will occupy to get your auto back to the same working condition it was in prior to the accident.

Once fault and indemnity are established the insurance company can pay the shop to have your auto fixed and you should be driving it in no time. Now that you understand how insurance works, let me possess you in on the financial side of the insurance company. The insurance company makes investments with your premium dollars before they are needed for claims payments. Off of these investments they usually make 15 cents off of every premium dollar. For every dollar of earned premium income the insurance company receives, 80 cents of that is paid out in claims and the cost of processing the claim. Another 30 cents is eaten up by the costs of running the company and taxes. As you can scrutinize, that leaves only a 5 cent profit off of the original $1.15 from premiums and investments. If insurance companies were really out to screw their customers and earn as much money as possible I would think they would be making a bigger profit than 5 cents.

All in all, an insurance company’s main goal is to make sure that the people they insure are returned to their financial status prior to the loss. They want to help people recover from these unanticipated losses and get on with their lives. While they are a business and need to create a profit just like everyone else, they want to ensure that their customers are taken care of when something goes wrong. They do this by charging the least amount of premium possible and paying out only what is owed to the customer. That is the truth behind the expansive dreadful insurance companies.

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We are forming a new local newspaper and are looking for part-time
advertising sales representatives. If you are interested in working in
advertising send your resume with salary requirements to: Publisher, P.O. Box 452, Chesterland, OH 44026

Advertising Representatives
Lifestyle magazine seeking freelance professional. The successful
contractor will have good communication and organizational skills and be goal oriented. Send resumes to: Treasure Coast Publications, Attn: Ted Johnston, The Stuart News, 1939 S. Federal Highway, Stuart, FL 34994

Appointment Setters / Independent Telemarketers
$10 per hour, plus $50 per month for expenses. Work at home F/T or P/T! Online & printed human resources & employment weekly magazine is seeking for “success & money-motivated” appointment setters. Calls are on a business-to-business basis. Leads are provided. Send resume to AdvsaRep, P.O. Box 521531 Miami FL 33152 Fax: (305) 629-9340

Appointment Setters
Earn extra income. Work from home setting appointments. Fax resume to:
843-799-8322.

Artists
Wanted to do personalized invitation illustration. Send resume and samples with salary rate to: Art Director, FASL P.O. Box 4000 Clifton, New Jersey 07012. No artwork will be returned. Those who do not meet the resume/samples/salary rate requirement will not be considered.

Billing Clerks
Home based billing clerks handle accounts payables, collections and
bookkeeping. Computer literate, with proficiency in MS Windows, Word and Excel. Knowledge of MS Access is a plus, but not required. Send resume to Daylight Transport 1501 Hughes Way Long Beach CA 90810

Banking Trainees
Positions available for Staff Manager, Loan Officers, Trainees and
Processors. Government experience a plus. Part-time, home based
positions. Send resume to: WMC, P O Box 1007, Evansville, IN 47706.

Business Writers
$50.00 per hour. Corporation seeks contract business writers. Submit
resume, salary history, and writing samples/clips (only submissions with writing samples/clips will be considered) to: Box 1836 c/o The
Commercial Appeal 495 Union Avenue Memphis, TN 38103.

Career Planning Manager
This company is looking for professionals from all industries who are detail-conscious and goal-orientated, who are able to work independently. As a Career Planning Manager, your team will provide Career Planning & Placement Services to displaced individuals that have lost their jobs, along with pudgy service Internet recruitng services to companies looking for talent. Managing this original combination of outplacement and recruiting servies requires good management, communication and sales skills. This is genuine work that can pay off big time for the right candidate up to $300,000 a year. SETTLEMENT MARKETING, INC., 11469 Olive Blvd., Suite 145 St. Louis MO 63101. Send an inquiry to: hr@settlementmarketing.com

Catalog Writers
If you’re a whiz in Quark Xpress and Microsoft Word, and have the ability to entice and persuade people with distinct, concise, benefit-driven copy, then this catalog retailer needs you. Explain us you’re an outstanding wordsmith for fashion, home, food or health products. Wow us with three of your best writing samples (non-returnable) and your resume. Please send your resume and salary history to: Quixtar Inc., Catalog Editor, Dept SC-2N, 7575 Fulton Street East, Ada, MI, 49355.

Children’s Editors
Publisher of childrens’ textbooks is looking for creative Editors to work on Spanish projects. Must have excellent Spanish/English writing skills. Full-time/part-time. Send resume and qualifications to Frank Tamet at: 305-267-3001.

Claims Processors
Corporate Support Services of America, Inc., Need home based medical claims processors. Must have own computer with modem. Send resume to Attn: Human Resources, 10159 Wayzata Blvd. Minnetonka, MN 55305

Claims Processors
Companion Healthcare needs home based Medical reviewers that are independent contractors. Must be a registered nurse, absorb a personal computer with modem. Send resume and cover letter to 300 Arbor Lake Drive Suite 800, Columbia, MD 29223.

Claims Processors
Medical claims processors needed. Must have experience and own computer. Send resume and salary requirements to The Wisconsin Physicians Service, 1717 West Broadway, PO Box 8190, Madison, WI 53708

Claims Processors
Need home based claims adjusters. Must have own computer with a modem. Experience is preferred. Send letter of interest and resume to Valid Insurance Group, Attn: Adjuster Program, PO Box 6042, Indianapolis, IN 46206-6042.

Clerical
Clericom is hiring clerical workers from home. No previous experience. Paunchy training provided. No commisions, selling, or recruiting involved. If you can type, you can easily do this. Please contact typing24@getresponse.com

Coders
Excellent opportunities for Medical Coders who possess Emergency Physician Coding experience with a minimum of one year work experience in ICD-9 and CPT coding from medical records or successful completion of AHIM-P or CPC certification exam. Knowledge of codes, coding guidelines and medical terminology required. Medical Coders will work from their home as part of our successful team. Send resume with cover letter outlining salary requirements to: Human Resource Generalist KA or MB, Team Health 100 NW 70th Avenue Plantation, FL 33317.

Coder
Must have a minimum three years coding experience. We are currently seeking at-home coding specialists. You will code from the comfort of your home and all coding will be done on-line. For more information please fax resume to: 205-380-4079.

Coders
Excellent opportunities for Medical Coders who possess strong coding
experience. Excellent benefits and flexible hours with the possibility to work from your home. Send resume with cover letter outlining salary
requirements to: MNR, 8001 Belfort Parkway, Suite 200, Jacksonville, FL 32256.

Collections
Premier Auto Finance-$12/hour. They provide computer and phone equipment. 5 years experience necessary. Aon Corporation
HR-PTC 5050 North Broadway Chicago, IL 60640

Community Counselor/Coordinator
AuPair in America—-Flexible independent contractor place. Recruit and interview potential host families for year-long cultural/child care experience. Coordinate activities for international au pairs. Flexible hours, work from home. Submit letter and resume describing qualifications to: Erica Dysart, AuPair in America, fax: 203-399-5592

Content Collectors
Are you a Mom or Dad with a passion for parenting who would love to find a way to participate in a dot-com that helps other busy moms – without taking on a beefy time job? We need you to help us build a website directory of local resources and ideas available for busy moms. Content Collectors are energetic people who will contribute their own knowledge and experience of useful resources as well as find and rate new local resources. No experience valuable. Familiarity with word processing required. Send resume and screen letter to: MomZone, 1208 Massachusetts Avenue, Cambridge, MA 02138

Computer Programmers
New Boston Systems, 444 Castro Street Suite 700 Mountainview, CA 64041

Computer Programmers
Newsbytes News Networks. News service that specializes in news about
computer industry. Needs experienced computer writers. 406 Olive Street, W, Stillwater, MN 55082. Please send resume and cover letter.

Computer Programmers
Institute for Global Communications. Online computer service company seeks experienced internet, Unix and windows programmers. 1010 Doyle St. #9, Menlo Park, CA 94025.

Computer Programmers
ISC Consultants Internet and Call Center consulting firm needs graphic
designers, producers and HTML experts to develop web sites. Need previous experience in Photoshop, Freehand, and/or HTML editors. Send resume and hide letter to 14 East 4th Street, Suite 602, Recent York, NY 10012.

Computer Programmers
AAGIS has opportunities for IT professionals with experience in Oracle
databases, UNIX, and /or Cobol. Must have 2-5 years experience. Apply online at www. AAGIS.com

Computer Programmers
Abteksoft Corporation has consulting projects for programmers with C++/MFX experience. Send resume and cover letter to 10900 NE 4th Suite 2300, Bellevue, WA 98004.

Computer Programmers
Addison Wesley Longman, Contract programming positions. Send resume with details of experience to Addison Wesley Longman, 1 Jacob Scheme, Reading, MA 01867 Computer Programmers Land and /or Distributed System Professionals needed. Must have college degree or equivalent experience, five years experience in implementation, support
and design of LAN’s, or microcomputer based systems, or 3 years experience in a related technical field management. Send resume and screen letter to Alltel, 50 Executive Parkway, Hudson, OH 44236

Content Editor
Work from Home 80% of time. 10-40 hrs. a week. Duties include write test specifications, assist in creating test blueprints, and supervise item writers. Edit items for content accuracy and meet deadlines as required. Send resume to Kelly Services, Ste 108 2880 Sunrise Blvd Rancho Cordova CA 95742-6547

Copywriter, Freelance
For personalized invitation company. Fax or mail your resume and samples (copies) with your rate to: (973) 472-3264 Art Director, FCSL P.O. Box 40003 Clifton, New Jersey 07012.

Copywriters/Graphic Designers
Our in-house copy and get team is seeking talented copywriters and
graphic designers to work on a freelance basis. We research, write,
design and acquire marketing collateral, publications, informational
health-related materials, and Web content. You should have a degree, 3-5 years experience, and a portfolio that demonstrates the full range of your ability. Contact Claudette Bordeleau at: 401-459-5723 or email your resume to: bordeleau.c@bcbsri.org

Copywriter Salary: $30-40 / hour. Are you a freelance writer looking for projects with local companies? TCG is currently seeking copywriting talent for various clients in the northeast Ohio residence. Candidates should possess at least one to two years experience as a writer in the field of web content writing, ad writing or direct mail. Send resume to TCG, 1300 E 9th St., Suite 1802, Cleveland OH 44114, Fax: 216 621-0417

Copy Editors
Experienced manuscript editors needed to edit manuscripts for medical,
nursing, dentistry, veterinary, and related health professions books. Excellent copyediting skills are required. Freelance editors must be adept at editing electronically in Word. Adherence to schedules is a necessity. Familiarity with scientific and medical terminology is a plus. We will contact qualified applicants and send them a copyediting test. Send resume to Att: HR/Freelance Elsevier Health Services 11830 Westline Industrial Drive St. Louis MO 63146

Copy editors/Proofreaders/Indexers
Freelance Copy editors, proofreaders, indexers and Quark operators. Send resume and hourly rate to: P.O. Box 3032, Branford, CT 06405.

Corporate Fable Executives
Need home based workers to execute the sales plan and deliver webcasting solutions to customers. Ideal candidate will have at least 1-2 years outside B2B Sales experience, familiarity with the Internet and Microsoft Office applications. Send veil letter and resume to team@eclipsnow.com

Court Reporters
High Volume firm is in need of qualified Court Reporters in NY and NJ.
Freelance or staff positions available. Guaranteed work. Excellent income potential and schedule flexibility. Fax resume to: 973-631-7576.

Cruise/Tour Professional
Join the exciting vacation industry. Full-time/part-time. International cruise/tour company. Work from home. Recede industry benefits. Will tell motivated people. Fax resume to: 727-572-9351.

Customer Relocation Management
Telecommute from home. Station is responsible for servicing relocating customers. Assist customers with apartment searches and other relocation needs. Requires Property Management or Apartment Locator experience or any related experience. 2 years of customer service, sales or marketing experience helpful. Computer proficiency required. Real Estate License a plus, not required. TO APPLY submit your resume along with the position you are applying for to: jobs@relocationcentral.com

Customer Service Representative
We work primarily with the newspaper industry. Our customer service
representative’s work from their homes making customer service calls for our newspaper clients. There isn’t any selling involved; and in most instances, we are checking on the customer’s service and reporting back to the newspaper so they can take appropriate action. Although working from home sounds great you have to remember that it is a real job and you need to display the same dedication and effort you would display for an office job. To apply, send resume to Ver-A-Fast Corporation, 20545 Center Ridge Road, Suite 300, Rocky River, Ohio 44116

CUSTOMER SERVICE
(Atlanta residents only)
WORK FROM HOME opportunity for those tired of fighting traffic
in Atlanta! Offering guaranteed Hourly Wage plus BONUS. Home
computer and second phone line/DSL or cable modem required
(Employer offering a purchase and/or reimbursement plan).
New telework department at NSDI Teleperformance for customer
and membership services. Contact Ms. Franks at 404.851.1611
or email resumes to jfranks@tpamerica.com

Customer Service Evaluator
Looking for ample people to evaluate customer service at local
businesses. Salary varies due to the detail of the assessment. Register online at http://www.ssanet.com

Customer Service
$10 per hour / $400 per week and up. Work at home handling inbound calls. No product sales or appointment setting. Requirements: Computer with high speed connection or Web-TV National company – the leader in its field – is setting up home based divisions to handle inbound calls from its nationally televised infomercials. Handle callers from 900 numbers and transfer method of payment to credit card or check. Must be able to work with accuracy and race while maintaining professional and friendly attitude. Good, obvious,
phone voice and the ability to simultaneously read info provided on mask, talk and type accurately. Telemarketing/Customer Service/Sales experience preferred, but not indispensable. Apply online at www.callsathome.com

Customer Service
Our call center is looking for experienced Customer Service Representatives and Collector’s. The successful applicant should have 3-5 years of experience in a call center environment, in either customer service or collections. In a work at home environment, our reps connect via the Internet, to the Alliance corporate
computer network, placing and receiving calls via CentreVu IP Software. All reps need to be located in Southwestern Bell’s Kansas City local calling area. E-mail/send your resume to: sbbrown@alldata.net or fax to 913-577-5049.

Customer Service Specialists
Live Ops–This company hires people to answer a variety of inbound calls from their homes. Incoming calls are scripted for the customer service specialist depending on the client. Calls are routed to your home. They have been reported to pay 25 cents per little you are actually on the phone. If you choose to work at their peak volume times when calls are coming in one after another, you can earn approximately $15 per hour. They allow you to sign in at your own
convenience. Liveops.com, 112 Rose Drive, Fort Lauderdale, Florida 33312, Email: info@liveops.com

Customer Service/Reservation Agents
Norweigan Cruise Lines—Join one of the fastest growing cruise lines in the industry. Seeking highly motivated full-time Reservation Agents to work from home. Send resume to NORWEGIAN CRUISE LINE, FREESTYLE CRUISING, 7665 Corporate Center Drive Miami, FL 33126

Customer Service/Reservations Agents
Jetblue Airways, This airline hires its reservationists to work from home. They currently have over 300 reservationists working from their homes. Send resume to: Jetblue Airways, Attention: Human Resources, 80-02 Kew Gardens Road, Kew Gardens, NY 11415

Customer Service Reps
Please send a short resume, including e-mail address, city, county, and area, to: Attn: Marvin A. Hodges, Call Centers Remote, Global ISP, Inc. 9850 SW 15 Street * Miami, Florida 33174

Customer Service
Connect Plus, www.connect plus.com
1-888-821-1499

Customer Service
Virtual call center needs to hire people to answer incoming calls in their home and process data on computer. Must have computer with DSL, Cable, or ISDN access, private phone line, and be able to work 4 hours at a time. Choose your possess hours and days.
Email norwest@qwest.net

Customer Service
Looking for experienced Customer Service Representatives and Collector’s to serve our customers “working from home”. The successful applicant should have 3-5 years experience in a call center environment. Our reps connect via the internet to the Alliance corporate computer network to place and receive calls via CentreVu IP Software. To apply please send your resume via fax to Alliance
Data Systems 913-577-5049

Customer Service Agents
Previous telephone experience and references are essential. Resume to FNet Corp International Headquarters, 733 Lakefield Road, Westlake Village, California 91361

Customer Service:
Alltel-Answer incoming calls from your home. Pay is approximately
$9-11/hour. Must be available to work a minimum of 15 hours weekly. Email: workfromhome@altell.net
Alltell Staffing, 1101 Anderson Drive, Littlerock, AR 72212

Customer Service Clerks
(Home Based) $14.25/hour. Major retail catalogue company needs customer service staff to work from home. You will take calls from customers, confirm availability of items and enter name, address and order information. Previous customer service experience is A MUST. You must also be able to type at least 80wpm with no errors. (You will be tested.) $10.50 for daytime shift. Clerks are also needed to work from 9pm to 3am. The pay rate for this shift is $14.25. Fax your resume to 949.266.8845.

Customer service, telephone representatives
Career Creature— $15 per hour. Do you have a knack for talking to people on the phone? There is no chilly calling, this is not sales. All your calls are scheduled and come to you at your home. This is a customer support based place. You job will be to answer questions and relieve our customers. Work from home. You must have conference calling installed before your training is finished and a mild dwelling to work. Internet access and phone capabilities at the same time are a must. We offer plump benefits. Basic computer skills are necessary. To apply, please send your resume package to Career Creature, 300 S Orange Ave, Orlando FL 32801

Customer Service
ICPLANET –Other positions as well, online matching service that connects people with projects. Website is www.icplanet.com
4000 Civic Center Drive Suite 210 San Rafael, CA 94903

Customer Support
J-n-L Enterprises, Acknowledge inbound calls for our company. Pays approximately $11 per hour. Taking calls from customers. This company pays you to answer calls. They work on a per minute basis. For more information please contact Laura at 217-732-5994. Or visit the website at www.J-n-Lenterprises.com

Customer Service Representatives
Time Communications, These positions involve answering calls that are routed to your home. Pay is $1750/month, Minneapolis area, 877 Jefferson Avenue, St. Paul, MN 55102 Phone: 651-229-3636, Fax: 651-298-1945, Voice: 1-800-486-8581

Customer Service Agents
Gateway Computers-Answer customer service inquiries from home! Send resume to Gateway Computers, Human Resources, P.O. Box 540278, Waltham, MA 02454-0278, or apply online at www.gateway.com

Cyber Agents—Customer Service
Average pay $10 – $24 per hour. Willow offers you the opportunity to be a service provider in this industry as an independent contractor. You set up your bear eBusiness in your home. CyberAgent CSRs are professional customer service representatives who provide services to their clients on a highly flexible, as needed basis. You will reply the telephone or respond to Internet inquiries. Presently, there is a pool of over 1,500 CyberAgents CSRs located in Miami-Dade, Broward and Palm Beach Counties, in South Florida. To apply, please visit: http://willowcsn.com/creditcard/account.asp

Data Entry
Work at home. Various work provided. Apply online:
http://taxloanprocessing.com/gateway.html

Dating Service Representative
We offer the opportunity to work from a home based office. You will
explain our membership service to our customers. Part-time and full-time positions available throughout the US. Send resume to Pete Kelly – VP of Sales & Marketing, International Life Mates, Inc 451 SE 2nd. Ave. Pompano Beach FL 33060

Documentary Writer/Producer, Freelance
Experienced freelancers wanted to write and produce nationally broadcast documentaries. Responsible for research, script, location shoots, offline and supervise online edit. Send resume, script samples or reel to: WTLN, 524 Datum Street West Palm Beach, FL 33401 Attn: MPL.

Editorial Reporters
Longwood Information: Researchers needed for online newsletter
4822 Quebec Sreet Washington DC, 20016

Editor/Writer
Marketing Editor/Writer needed for a leading e-business software provider in suburb Phila seeks freelance copywriters, copy editors, & proofreaders for its global Web site. Successful candidates will have two or more years of writing or editing exper. & will be familiar w/basic PC productivity tools, such as Microsoft Word, Powerpoint, & Outlook. In addition, candidates must have access to a PC &
dial-up connection and must be avail to work on-site at least 20hrs/week. If interested, pls forward your resume & contact info to:
PresidentTCSrvtaglier@erols.com

Editors
Internet Jobs Unlimited
2857 W. 15 Court
Mirmar, FL 30351

Editors
CMP Publications
600 Community Drive
Manhasset, NY 11030

Educational Assessment Specialists
Telecommute from anywhere in the country! Individuals will write, edit, revise test questions and related educational products; analyze curriculum and position standards; create blueprints for developing educational products; and notion and monitor the development of tests for statewide testing programs. Please send two copies of your resume along with a cover letter stating modern salary to: ETS K-12 Works, Inc., Attn: Carol A. Hawkes, Rosedale Road, Mail Terminate 5-D,
Princeton, NJ 08541

Educational Representatives
Professionals wanted to involve area schools in our fundraising
programs. Great opportunity to work from home. Send resume with salary
requirements to: American Heart Association, Recruitment Manager-LI,
2550 US Highway One, North Brunswick, NJ 08902.

Flex Agent
We are the national call center for Sylvan Learning Center and are located in Littleton, Colorado near Southglenn mall. We have immediate openings for Flex Agents (Educational Consultants). A success person on our team has the ability to work from home, uses a friendly consultative approach, is able to work comfortably on the phone all day, had 3+ years experience in customer sales or customer service, has a minimum of an associates degree or equivalent, has a desire to help children succeed in school and in life. We provide total annual compensation of $44 to $60k, 3 weeks vacation to start, deep Sylvan discounts, med. Benefits, 401K, PT or FT opportunities for growth, and a fun working environment. Inbound calls only-no cold calling. Must be available for in house training. Sylvan Learning Center 1-888-EDUCATE

Freelance Positions
Currently hiring freelance photographers, shopping editors, movie reviewers, and restaurant reviewers. Please visit http://abouttmcs.com/jobs/cs_freelance.html
for more information and application information.

Graphic Artist
Black Millionaires Magazine: Work from your home, office, or studio. Prior work on commercial magazine ads preferred. Must have own equipment and materials. We pay on a per ad commission (plus performance bonuses). Send hard copy samples of work to: Platinum Media Worldwide, Attn: Contract Personnel, 81 Osborne Terrace,
Newark, NJ 07108-1709.

Graphic Artist, Freelance
To work on company startup identity package, logo, print ads, brochures, catalog. Preferred experience in direct-mail, direct marketing, and consumer sales type projects. Copy writing skills are also welcome. Opportunity also to work on website design and graphics. Requires Internet access (cable/DSL), and your believe design equipment, scanner. Fax resume to: 413-604-8817

Graphic Artists
$15 to $200 per job. Part-time. Work from home! Go to
www.protshirt.com/job.htm or send a short resume via fax and an example of any recent artwork you’ve done. Fax# 972-691-6639

Graphic Artists
Searching for experienced graphic designers with 2+ years experience
working with Photoshop, Quark Xpress and Illustrator to work short-term freelance contracts at clients location. Please register online at: www.techead.com

Home Sales Reps
Earn money while working at home. Use contacts and referrals to sign
customers up for our service. Marketing and management back to help you. E-mail jmherrin@z-tel.com or call Mark at 352-372-8770 Home Telephone Agents Work from the comfort of your own home to staff a Virtual Call Center, answering inbound calls. By using your have internet access, while answering calls from a separate phone line, you can consume your own hours. Access codes and scripts provided. Automatic compensation tracking provides you $.15 for each minute that you provide Customer Service. To apply, contact employment@dmsi.cc or send your resume to DMSI PO Box 4460 Harrisburg, PA 17111-0460

Home Telephone Survey Agents
Clear speaking telephone agents needed nationwide. Work from home. Easy, flexible schedule. Huge pay. We are a 10 year broken-down full service Insurance agency. As a home agent you simply contact individuals or business owners in your local place from a list WE provide you and using OUR scripts you simply ask them to complete a hastily 3 to 5 minute survey about their current life or health insurance program and ask them if they would like to receive a quote to compare coverage and achieve money. For application information please email:surveys@email.com

Hospitality Recruiters
Perfect for stop at home parents or people seeking a second income. 20 to 30 hours per week with schedule flexibility. Positions entails making calls to win apt candidates. Previous recruiting experience or phone work a plus. Commence a career from your home. Send resume to Attn: Mike McCusker, The Gates Group 331 Montvale Avenue Ste. 330 Woburn MA 01801

HTML Designers
Individuals fluent in HTML frames, CSS, and JavaScript needed for either freelance or full-time work. Experience with ASP also a plus. Possibly off-site. Excellent verbal and social communication skills. Please do a resume and e-mail to: jobs@jdm.com, or mail to: JDM Interactive Inc., 116 West Houston 3rd Floor, New York, NY 10012. Fax: 212-505-7880.

Independent Representatives
$50,000 to $60,000 your first year working from home. Work for leading
Publishing Company selling advertising in their books, CD-Roms and
on-line. You must have prior sales experience, live in the IL area & be entrepreneurial. E-mail resumes to: Management Recruiters of Portland jobs@mrportland.com

Insurance Claims
Nationwide Insurance
Human Resources Department
PO Box 3275
Englewood, CO 80155

Insurance Auto Appraisers
Wawanesa Inc
9050 Friars Road
San Diego, CA 92108

Insurance Claims
CIGNA HealthCare,
Various positions in various offices, contact local office for more
information in your area.
31 Reeds Way, New Castle, DE 19720
Fax: 302-323-0403

Independent Sales Reps
Sell a cutting-edge, high-tech/personal-touch automated telephone
message delivery service (PAM, your Personal Automated Messenger). We
pay very generous commissions. Requirements: high motivation, strong
work ethic, good prospecting skills, ability to understand customer’s
needs, and extensive experience within a vertical market. Check out our service at www.pamcall.com, then send letter of interest and resume to: dangardner@altavoicecommunications.com

Internet Savvy Individuals
Needed for Internet Sales & Marketing projects (FT or PT available).
Virtual workers with Web access/Email required. Work from anywhere in
the U.S. Send email with phone number and best time to call to:
darrell@osbornis.com

Interpreters
Spanish $10 per hour; Korean, Vietnamese, Chinese $11 per hour. Fast-growing multilingual services company seeks fluent bilingual telephone operators. Freelance work from home all languages available. Testing, training provided. Fax resume with contact information to: 805-370-7474 Attn: Recruiting

Interpreters
Freelance work from home all languages. Testing provided. Fax resume to: 805-370-7474 Attn: Recruit

Interviewers
Deltametrics—-600 Public Ledger Building
150 S. Independence Mall West
Philladelphia, PA 19106

Investigators
Work from home & earn $25-30,000. Immediate openings with nationwide
investigative company. Good communication skills required, plus the
ability to meet deadlines. Must be familiar with Email & Internet
research. Send resume to: 5541 Oakville Shopping Ctr. #149, St. Louis,
MO 63129

Kitchen Writers
If you enjoy kitchen-related activities (such as baking, cake
decorating, candy making, canning, and/or beer and wine making) and are a talented writer, we have a great opportunity for you! Kitchen Krafts is seeking creative Freelance Writers to submit articles for use in various printed materials. Candidate must be an enthusiastic writer estimable of producing interesting articles, tips, and/or suggestions on an as-needed basis. Please email your resume to:
writers@kitchenkrafts.com

Legal editors
Lexis-Nexis—-Local 937-865-6800
Toll Free: 800-227-9597 X 6044

Legal Positions, Freelance
Temporary, full-time, career solutions available for legal
secretaries/paralegals. Fax resume to: 503-295-9977.

Loan Processors
Flexible hours. Safe compensation. Working from home, part-time,
for experienced processors. Fax resume to: 610-622-4218.

Mail Processors – Need dependable people to help process mail, work at home, no experience required, will pay $10/hour. Send information about yourself to: The Northern Aurora Wildlife Preserve. PO Box 1006, Albany, Oregon, 97321

Medical Editors
Writing and editing medical publications, presentations and continuing
education programs. Qualified candidates should send resume, salary
history and writing samples to: Medicalliance, HR/MW, 5565 Sterrett Place Suite 200 Columbia, MD 21044

Medical Claims Processors
Candidates must possess basic computer skills. A two-year associate degree preferred, high school diploma required. Opportunity to work from home. Please send resume and salary history to: ASR Corporation, RE: Claims Processors, 3033 Orchard Vista Dr., Grand Rapids, MI 49546

Medical Record Coders
Work from home, must be ART or Certified. 2-5 years experience. Send resume to: HMS, P.O. Box 641, Holland, OH 43528.

Medical Representatives
You will be servicing and developing accounts from your home based
office for medical device and pharmaceutical companies. Experience is
sales or customer service well-behaved. Please submit your resume and cover
letter with salary requirements to: TOLAS Health Care Packaging 905
Pennsylvania Boulevard, Feasterville, PA 19053, Attn: DD

Medical Transcriptionist
National Medical Transcription Company is looking for dependable individuals to work at home. In need of Medical Records / Rad / Onc /
Radiology / Ophthalomology Transcriptionist. Radiology must have 2 yrs exp with MRI. MR must have 2 yrs exp typing Ops & DS, A bonus
and benefit package available. Please call Mon – Friday 1-800-322-4720
ask for Trish or email resume to twheler@medquist.com

Medical Transcriptionists
This company uses medical transcriptionists who are independent contractors, you need good medical terminology and 3 years experience and are paid by lines typed. ORACLE TRANSCRIPTION, INC., 4007-B Norbeck Road, Rockville, Maryland, 20853, (301) 929-9100, or (800) 983-3581 Fax: (301) 929-9275 http://www.oracleti.com/index3.htm

Mortgage Closers, Shippers
Work from home. Make your own schedule. Fax resume to Attn: Jean
972-446-1707

Mortgage Loan Reviewer
Full time, work from home!! Subcontracting opportunities available. Internet access required. Very competitive salaries, great benefits. 401k . Fax resume to: HQ 703-448-2030

Monitors
Work from home, monitoring clinical trial study. Send resume to Dawn Tkach, Scientific Staffing 51 West Prospect Street East
Brunswick NJ 08816 Fax: 732-651-5968

Monitor,
Websites—Work from home, monitoring website for correspondence from
clients and disappear partners. You will be selecting the most appropriate travel partner to work with a client, given the client’s needs. Track activity/client traffic, create weekly reports of sales activity, as it pertains to the website. Go industry knowledge and experience (minimum 2 years, either high-end leisure or corporate). Excel and Internet knowledge. Send resume to 12degrees 801 High St
Palo Alto, CA 94.

Music CD/DVD Representatives
Wholesale CD/DVD distributor seeks experienced self-starters for heavy
phone and computer work; in-depth knowledge of general music and trends helpful. Work from home. Fax resume to Human Resources at: 714-995-8038

Mystery Shoppers/Researchers/Survey/Interviews
Total Resource Group
936 East 12th Avenue
Denver, CO 80218

Mystery calling and Mystery shopping,
A Top Shop-Pays a flat rate between $10-$20 per shop.
9032 West Ken Caryl, Avenue, Suite 101, #A7-B
Littleton, Colorado 80128
Corporate: 720-283-8377
Fax: 303-948-6618
www.atopshop.com

Mystery Shoppers
Annonymous Insights, Inc
7438 Sawmill Road #421
Columbus, Ohio 43235

Office staffing company
Various office positions available from home
Virtual Staff, email applications only, www.virtualstaff.com
Bpkane@virtualstaff.com

Office and administrative positions
Office Technology Inc. Agency outsources office help. Send resume to Attn: Human Resources 1315 Gillingham Road
P.O. Box 405
Neenah, WI 54957-0405

Office/Administrative Positions
We offer full-time hours, group medical and dental, performance bonuses, 401K, eyewear discounts, referral bonuses, computer cross training, and additional skills training. Fax resume to: 858-268-5106.

Paralegals
The Affiliates,
98 San Jacinto Blvd 700
Austin, TX 78701

Phone Interviewers
Work from home, flexible schedule 8-20 hrs/wk mostly evenings. Fax
resume 305-598-9580

Photographers
Freelance photographers to deepen resource pool. Assignment work only.
Successful candidates able to show portfolio. Retirees welcome. Send resume to Editor, The Colonial Williamsburg Journal, P. O. Box 1776, Williamsburg, VA 23187.

Production Assistants
Compensation starts from $10 an hour. VideoHomeTours, a premier Internet company is looking for eager, computer literate, graphically oriented individuals to learn to effect virtual tours. VideoHomeTours uses advanced, digital photographic and video equipment to “walk-thru”
property. Freelance and part-time work available. Please e-mail resume
to: HumanResources@VideoHomeTours.com or fax a brief letter and resume
to: (773) 992-2052.

Proofreaders
Opportunities are available for home based entrepreneurs. Real estate
background helpful. Responsibilities will include supervision of work
cell, consisting of several minute takers assigned to various clients,
proofing of their work, interfacing with clients and production of
monthly Newsletters, where applicable. Home computers, fax machine,
access to the Internet and good working knowledge of MS Word required.
Mail resume to: Adkinson-Thorne Enterprises, LLC, 14 Mountain View
Avenue, Suffern, NY 10901 or fax to: 845- 368-3231

Proofreaders/Copywriters
Advertising agencies seek Editors, Proofreaders and Copywriters with 2 or more years experience. Freelance and Staff positions available.
Medical/Pharmaceutical experience is a plus. Please fax resume to:
201-842-7718

Proofreaders
If you you qiuckly see the 3 mistakes in this sentence, you may have what it takes to work with our demanding clients. The people we seek have: *excellent proofreading and language skills; * very good word processing skills; * an hour here and a few hours there, a few days per week; * a reliable PC or Mac with a newer version of Microsoft Word; and * reliable Internet access. Please contact Phil Jamieson via email: philj@ProofreadNOW.com or send resume to ProofreadNOW, 447 Boston Street Topsfield MA 01983

Proofreaders and Copywriters
Aquent, is seeking serious top-notch freelance proofreaders for positions within every industry imaginable. Freelance opportunities abound, but only for those dedicated and good enough to meet
our exacting standards. What’s in it for you? Great pay, benefits, career growth and working for the coolest talent agency in town! Applicants should have two plus years experience proofreading in a professional environment, a great attitude and be able pass an assessment test of their skills. If this sounds like you, please send your resume and a screen letter telling us a little about yourself. Candidates MUST use LA PROOF as their subject heading to be
considered and must be prepared to take a proofreading assessment. $25 per hour. Either reply via email to laresumes@aquent.com OR Fax your resume to: (323) 634-7696.

Proofreaders
University Graphics
11 West Lincoln Avenue
Atlantic Highlands, NJ 07716

Proofreaders
Now hiring FT & PT, Supervisors, Medical Proof readers & Medical
transcriptionists. Work from home on a state-of-the-art digital system. Base pay plus multiple incentive bonuses. Fax to: 407-656-1947 or 407-352-1247.

Proofreaders
$8-$12 per hour. Experienced proofreaders needed to proofread page proofs for medical, nursing, dentistry, veterinary, and related health professions books. Excellent spelling and grammatical skills are required. A knowledge of proofreading symbols is capable. Adherence to schedules is a necessity. Familiarity with scientific and medical terminology is a plus. We will contact beneficial applicants and send them a copyediting test. Send resume to Att: HR/Proofreaders Elsevier Health Services 11830 Westline Industrial Drive St. Louis MO 63146

Proofreader
For brochures and annual reports. Ongoing freelance work during the day. Send resume to Attn: Sydney Smith, Ross, Culbert & Lavery, 15 West 20th, New York NY 10011

Readers
Readers are responsible for reading and evaluating responses to
non-multiple-choice questions at the elementary and secondary school
levels, and for assigning scores via computer or by hand according to
established standards in the areas of reading, writing, mathematics,
science, arts and humanities, and/or social studies. Training is
provided. Qualifications: Associate’s degree or a minimum of two years
of relevant college course work. Respond with a resume and letter of
interest using one of these methods, by mail: Measured Progress, P.O.
Box 1217, Attn: Human Resources, Dover, NH 03821. Fax: (603) 749-6398.

Relocation Services & Relocation Transportation Professionals
National company is seeking individuals to support us with our relocation
services. Work from home only. Fax resume to Ryder Move Management, a Budget Group Inc: 952-401-4500

Reporters/Writers
The Pandya Group of Electronic Newspapers, a group of six rapidly
growing online newspapers, is seeking ambitious Reporters to write
newspaper articles and features and interview newsmakers. Candidates
must enjoy meeting new people. Candidates must be amicable and have
excellent written and oral communication skills. Full or part-time job. Salary or freelance pay. Mail resume to: Pandya Computers, Inc., 630 Industrial Park Road, Ebensburg, PA 15931.

Researchers
PI Marketing Systems
1421 Ruidosa Drive
Wichita Falls, TX 76306

Researchers/Telephone Surveys
Interactive Services Inc
9 S 412 Frontage Road
Hinsdale, IL 60521

Research Recruiters, Assistants and Account Managers
Full-time and part-time openings available to help serve the Technical Recruiters with name and resume sourcing, research, profiling of applicants and internet job posting. Earns a percentage of placement fees as incentive bonus. We will train you as necessary to do your job, and this state may lead you into becoming a Technical Recruiter yourself. Also hiring National Account Managers and Resume Processing Assistants. Work from your virtual office. Send resume to Electronic Search, Inc. – Personnel Department, 3601 Algonquin Rd., Suite 820 – Rolling Meadows, Illinois 60008.

Reservations Agents
Jetblue Airways,
Attention: Human Resources
80-02 Kew Gardens Road
Kew Gardens, NY 11415

Sales Representatives.
IMS-This company hires professional sales representatives to work from their homes for various clients via telesales. The pay has been reported to be approximately $15 per hour. IMS
Info@telesalesspecialists.com visit www.telesalesspecialists.com

Subscription Representative Home Agents
$14.00 per hour, plus $50 bonuses. Fortune 500 employer. Home Agents receive incoming calls from those wishing to register for Sweepstakes. Once registered, the caller is offered an opportunity to purchase a magazine subscription package of their choice at a substantial discount off the newsstand price. Part-time from 12 to 32.5 hours, and $1.00 hourly or commission differential for Saturday and/or Sunday shifts. Must provide your own PC, with Windows 95/98 or ME, two
phone lines or one phone line and cable ISP or DSL, with voice and data capabilities, and a headset. Free software is provided and two weeks paid training in Clearwater, New Port Richey and Jacksonville,
Bradenton/Sarasota, Florida. Applicants may call our jobline at 1-888-737-7297

Surveyors (telephone) /Shoppers– Audits and Surveys Worldwide, Inc.
650 Avenue of the Americas New York, New York 10011

Survey Takers
Brand Institute Inc
1201 Bricknell Avenue, #350
Miami, Florida 33131

Telephone Agents
$9.00 – $12.00 per hour. Sign customers up for Monthly Membership Club
and take customers information so that they can be transferred.
Encourage customers to call a 1-900 number. This is not a phone psychic job! Apply online: http://www.bassador.com/vcc/

Telephone Operators
Should be in local area code #301 A great opportunity to WORK AT HOME.
“Value Village” NO SELLING! SALARY + BONUS. Call 301-333-1900 weekdays 9-4.

Telesales
$7.00 per hour guaranteed plus commission paid weekly. Previous Internet experience required. Business sales. Work at home. Send resume to ChamberGates 18352 Dallas Pkwy #136-542 Dallas TX 75287-8209

Telesales
Full-time, part-time: work from home! Christian retail products. Send
cover letter and resume to: “Telesales” Fax: (615) 872-9786. Or, Vox
Corp, 3670 Central Pike, Suite J, Nashville, TN 37076.

Telemarketers work from home. Paid hourly. Must have a pleasant/friendly phone voice
and enjoy talking to new people. Choose your hours. No nights or
weekends. Set-up appointments for our sales staff. Fax resume to:
410-296-3983.

Telemarketing Part Time – Work from Home at PMR, hiring telemarketers to work ten to fifteen hours per week. 10.00 an hour. NO FEES, we pay you. Weekly payment. You must have prior telemarketing experience to qualify. For an interview, e-mail: bbmedicinemen@aol.com

Telemarketing at Pharmaceutical Management Resources, a human resources consulting firm, is currently hiring telemarketers to work from home fraction time. This is a ten to fifteen hour per week station which pays 10.00 an hour plus commission. Only experienced telemarketers need apply. We cannot train inexperienced people at this time. NO FEES. We pay you. Hourly checks are paid every friday, commissions are paid as they are earned.
To apply, e-mail: bbmedicinemen@aol.com. We will respond with additional information and interview dates and times.

Telemarketing- Phoneforce. Would you like to work from your home office anywhere in the country? A PhoneForce caller is a member of an elite team of highly specialized business professionals who have extensive experience in a variety of fields. If you have a business background, basic contact management systems experience and general expertise using the phone, this job is for you. Assume joining this team of outbound calling specialists providing premium business to business lead generation and telemarketing services. Please submit your resume via email. Visit the website at www.phoneforce.com Phone: 1-800-640-6409 Fax: 415-453-9599

Telemarketing
Ameridel is seeking telemarketers to work from home 20-35 hours per week. Paid training, benefits, medical, paid holidays and retirement plan.

Telemarketers
American Telemarketing Inc.
3349 Cahuenga Blvd West #5A
LA, CA 9006

Telemarketing
Remote Control
514 Via de La Valle, Suite 306
Solana Beach, CA 92075

Telemarketing
Telecommunications Professional Design
PO Box 215684
Sacramento, CA 95821

Telemarketing
Advanced Visions,Send resume to Keri Fletcher, 6422 E. Fourth Plain Blvd. Suite G6, Vancouver, WA 98661

Telemarketing – INTREP is one of the most progressive outsourcing companies in the world. We remove the virtual office business model to the next level by hiring “at home” professional inside sales personnel. Our reps have a solid business background allowing them to communicate at all management levels. We require inside sales experience along with computer and software knowledge, in addition to a sound customer service orientation. You must have a home office with an appropriate computer system with Internet access preferably DSL or Cable. If you have the ability to work from home and believe you have the credentials to become part of our elite team, Intrep can provide you with a unique and fulfilling career experience. We are always looking for candidates with inside sales experience in all industries and all geographical locations. Opportunities are currently available for candidates with experience in Payroll Processing, Advertising, Printing, Computer Related/IT, Telecommunications, PEO Human Resources and High Tech. Candidates can be located anywhere in the U.S. For immediate consideration, apply online.
http://www.intrep.com/i_application.htm

Intrep, Inc.
5178 Marks Court
New Albany OH 43054 USA
Phone:
Fax: 614-573-7453
Company Email: hr@intrep.com
URL: http://www.intrep.com

Telephone Interviewers
Must have high personal integrity, reliability, and ability to work
independently, Spanish/English, excellent phone skills. Work From Home. Flexible schedule (8-20 hour per week). Fax resume to 305-598-9580.

Telephone Representatives – $1 for each person you call and fill out a five minute survey for. You would then enter the survey information at a particular web site, or email us each survey information in a separate email. The contrivance you choose is up to you…whatever you find easier. This does not involve any sales. The best thing to do would be to make
calls in your local area, as this would not require any phone charges for you. This is a work from home position. Applicants MUST live USA. Must have a PC, phone line and a clear capable speaking voice. URL: http://jobs.iwarp.com/application.html

Telemarketers
For evening work from home. Send resumes to: Region Farm Insurance 101
South US Route 15, Suite B, Dillsburg, PA 17019

Test Writers
International firm looking for skilled home based teachers.
Familiarity with Microsoft Word required. Ability to work from home through email required. Work involves creating questions and answers in Mathematics and History (Grade 3, 4,5, 6, 7, 8 9 and 10). Long term work. Payment by the assignment. All payments will be sent by check. Please email resume to max@ponnuraj.com

Test Writers
A leader in educational assessments, seeks educators to write test items in the areas of Science, Mathematics, and Social Studies. Will provide item writer training. Forward resume and shroud letter, including content area to: Riverside Publishing, A Houghton Mifflin Company, Attn: Ricarda Burciaga, 425 Spring Lake Drive, Itasca, IL 60143.

Translators — All languages needed to join the E-Services Marketplace. Go to http://www.uniscape.com/translatorcentral/index.htm Or, send resume to: Rachelle Acuna-Narvaez, Uniscape, Inc. 303 Twin Dolphin Drive Suite 500 Redwood Shores, CA, 94583 FAX: 650-596-1436 Email: Rnarvaez@uniscape.com Visit: www.uniscape.com.

Translators
Accurapid Translation Services, Inc., 806 Main St. Poughkeepsie, NY 12603. Need technical translators in all languages for business, engineering and scientific documents. A computer and modem is a requirement. Submit resume and description of technical expertise, computer type and /or telecommunications equipment. Pays by the word.

Translators
Uniscape
303 Twin Dolphins Drive Suite 500
Redwood Shores, CA 94583
Fax: 650-596-1436

Translators
Continental Translation Service
6E 43rd Street #2100
New York, NY 10017

Translators,
Olds Communication—hiring translators and interpreters in the legal,
social services, immigaration fields etc. Must have experience. Email with resume, rates, references, and experience in translation in any of the above fields to: info@oldscommunications.com. Based in Littleton, Colorado.

Transcription
Here is your opportunity to take advantage of one of our new programs. Work from home. Attractive pay structure. Full or part time. Prior experience in medical records dept. or a hospital preferred. Send resume to Seton Health, Human Resources, 1300 Massachusetts Avenue, Troy, NY 12180 or fax to 268-5733, email pcrowson@setonhealth.org Visit us at www.setonhealth.org

Transcriptionist Opportunities
1st and 2nd shifts. Scheduled hours can be flexible. One year experience or equivalent training required. Must have knowledge of medical terminology, anatomy and physiology, grammar, spelling, and punctuation. Home-based option. Job description and application available on-line at www.trinityqc.com or E-mail resumes to: gomez-holstv@trinityqc.com

Transcriptionist

Acute Care MTs with 4+ years experience for 2nd, 3rd and Weekend Shifts.
100% Internet based system using PrecyseNet software. Easy to learn. Full computer setup supplied at no cost to full-time MTs.
Must have Internet connection, which can be dialup, DSL, Cable and
Satellite. Dialup connection must be at 36k or better to build in our
environment.

Competitive line rate. Employee status. No ICs. Full benefit package.
Generous PTO, 401k with match. Weekend Shift paid at 10c
Precyse Solutions
555 Sun Valley Dr., Ste A3
Roswell GA 30076 USA
Phone: (800) 319-0558
Fax: (800) 349-5772
Contact Email: klarrimore@precysesolutions.com
URL: http://www.precysesolutions.com
Contact: Kim Larrimore

Go Agents
Experienced. Wing leads provided. Work from home. Fax your resume to: 401-780-0905.

Tutors
Salary $20-$40 per hour, depending on experience. Tutors in all subjects needed. Work from home. Training available. Send letter of interest to: InfoNet, 179 Hoover Avenue, Concord, NC 28025.

Typist/Transcriptionists
Home Based (2nd or 3rd shift – Monday/Friday includes weekends).
Requirements: High school graduate or GED. Medical terminology helpful. Ability to type at least 65 words per diminutive accurately; ability to detect discrepancies in medical terminology and accurately transcribe dictation via dictating equipment with some knowledge of word processing equipment. Ability to use good sentence structure without changing the thought of the author of the reports. Send resume to: Athens Regional Health Services, Inc.,1199 Prince Avenue, Athens, GA 30606.

Typist/Transcriptionists
Work from home, while having the professional support of a leading
transcription company. Work types assigned by skill level. Flexible work hours and competitive earning potential. Requirements: 2 years
transcription experience, excellent computer skills. Email resume to:
Commonwealth Transcription Systems, LLC Commonwealth@snet.net or mail
to: PO Box 592 Old Saybrook, CT 06475.

Typing/Transcriptionist
Work at home.Experienced with foreign accents helpful. Good typing
skills required. Please send resume to: PNR Transcription and Associate, P.O. Box 148, Swartz Creek, MI 48473.

Typing/Transcriptionists
Work from home. Flexible Full or Part-time opportunities available. Prior experience in the Medical Records preferred. Send resume to: Seton Health, Human Resources, 1300 Massachusetts Avenue Troy, NY 12180

Typist/Transcribers
Work at home, part-time. Must have 2 years minimum experience. Excellent pay. Send resume to: OmniScribe, 13010 SW Watkins Ave, Tigard, OR 97223.

Typists
Work at home using own equipment. 2 years experience required. Benefits available after 3 months. Send resume to: P.O. Box 90453, Burton, MI 48509.

Virtual Office Staff
We are seeking associates who have the expertise to cover a wide variety of business tasks or projects such as detailed research, analytical and administrative tasks, business plans, and policy and procedure manuals. We seek individuals who can manage or develop projects, create marketing plans or public relations campaigns. We also need workers to respond to e-mail or voice mail for our clients. Please apply online:
https://www.myvirtualcorp.com/associates/applyform.asp

Virtual Assistants
$300 weekly. Travel company needs national work at home staff for
virtual telephone support positions. 20 hours per week. Send resume to Jem World Travel, 117 1/2 South Main Street Findlay, Ohio 45840

Voice Talent
Do you have a great voice? Professional advertising agency seeks voice
talent to produce radio, TV and video work. Seeking first-rate, experienced voice pros for on-call freelance work Monday- Friday. Send demo-tape to: Cox Rasmussen & Company, Attn: Audio, 2830 F St., Eureka, CA, 95501-4423.

Web Designers and Graphic Designers
Great opportunity for graphic design/web design professionals to perform freelance work. Graphic designers must be proficient with Quark and Photoshop (Illustrator a plus) and will be developing direct mail brochures. Web designers must be proficient with Dreamweaver and Flash. Work from your home. Must have access to a MAC. Send resume, 2-3 nonreturnable samples, description of graphic design/desktop production experience and references to: PF, National Seminars Group, PO Box 2949 Shawnee Mission, KS 66201

Web Desginers, graphic artists, copywriters, verification auditors
Web-Erectors.Com,
PO Box 3822
Quincy, IL 62305-3822
ATTN: Personnel

Word Processors
$8.00 to $12.00 per hour. Home based, full-time for Verbatim Transcription. Successful candidates need PC with e-mail, 80 wpm accurately. Also seeking Spanish translators. Fax resume and cover letter to RST at: 206-217-9507.

Word Processing
All Purpose Typing Service, 1550 McDonald Ave, Brooklyn, NY 11230. Needs word processors of reports and theses, etc. Must have knowledge and experience with Word Perfect and Paradox. Send resume to apply.

Word Processors
Earning based on production $8-$12/hour. Home Based, full-time, for verbatim transcription of interview. Successful candidates need a PC with email; 80 wpm accurately; related experience. Fax resume and cover letter to: 206-217-9507.

Writers, Editors, Roar Managers
Several editorial positions available for publishing season at most
comprehensive holiday-related magazine on the Internet. Please visit
http://www.mymerrychristmas.com/about/2000a02.html or send email to
editor@mymerrychristmas.com for more information.

Writers
Business publication looking for freelance writers with knowledge of small business and women business issues. Fax resume to: 973-275-1626 or mail to: CBJ, PO Box 178, South Orange, NJ 07079.

Writers
Feature/trends and critical writers in religion, music, performing and
visualarts. Experience, e-mail capability, references and published clips required. Send information to: Naples Daily News, P.O. Box 7009, Naples, FL 34101

Writers
Freelance. Good pay, steady news and features assignments for best read newspaper in construction industry. Send resume, 2 clips to: Construction Equipment Guide, 470 Maryland Dr., Ft. Washington, PA 19034 Attn: Freelance.

Writers, Editors, Content Managers
Several editorial positions available for publishing season at most
comprehensive holiday-related magazine on the Internet. Please visit
http://www.mymerrychristmas.com/about/2000a02.html or send email to
editor@mymerrychristmas.com for more information.Telecommuting Jobs

Writers
Freelance Writers sought for award winning Environmental quarterly. Send resumes, clips to: Environment New Jersey, PO Box 157, Stirling, NJ 07980

Writers
Business Journal is excepting applications from freelance writers. Send your resume, camouflage letter, and clips to: The PBJ, attention: Nisha Lunia, Special Reports Editor, 400 Market St., Philadelphia, PA 19106.

Writers
Powerprose Writers
16 East Main Street
Southborough, MA 01772
Phone: 508-303-2418
Fax: 508-303-8520

Writing
ChildAuthor.Com started as a simple craft site for children. It is
quickly evolving, thanks to many great writers, to a literary site for kids. We are expanding our topics to include articles ranging from crafts, to poetry, to short stories and science. The pay rate is .05 cents per celebrated, edited word. Length ranges by topic. For example, craft articles may only have 30 words where a short story
may be 1000+. It is strongly recommended that you sign up for the newsletter, as we have a hard time accepting articles from writers that don’t read what they are writing for. Send pudgy articles and short bios via email. Visit the site for additional guidelines. Visit the site for additional details. admin@childauthor.every1.net

Writer
$50 to $100 per story. Writer wanted for varied assignments. Financial, Real Estate, Architecture or Engineering. Also Publicist Freelance $15 per hour as needed. Fax resume and one writing sample to: 973-691-8830.

Based in Great Britain with a Global outreach, Tesco is an International Giant in terms of retail sales. Tesco has taken the belief of the Super Store and expanded it to make the term “One-Stop Shopping” a reality, in both terms of products and services, all at incredible savings. Offering an archaic fashioned catalog with thousands of items, Tesco enables shoppers around the World to experience quality purchases without the high pressure sales pitch. Additionally, Tesco utilizes a “Club Card” System, whereas customers receive points for every purchase, that may be accumulated and redeemed for travel,groceries and more.

These are a few of the many ways to save on purchases from Tesco:

Spend 50 Pounds – When you spend 50 pounds or more on a single order before December 10, 2008 You’ll receive 10 Pounds off your next purchase of 50 pounds or more.

Tesco Home Insurance – All Customers get a 50 Pound cash back check when they remove out a policy. Recent Customers fetch a 35% discount on line the first year.

Tesco Wine Club – You can achieve up to 50% when purchasing wine by the case.

1500 Price Cuts – www.tesco.com has a link to 1500 items that have had the prices cut from the last catalog.

Tesco Car Insurance – Save up to 15% plus find Club Card Points – 1 point for every 2 Pounds of Premium.

Tesco Direct – Consume 20 Pounds and 5 Pounds off your next Tesco Direct purchase.

Club Card Vouchers – Points redeem into vouchers that may be used for Theme Parks, Disappear and many other Tesco items.

Travel Insurance – Receive a 10% discount when you buy on line before October 15, 2008.

Tesco Direct Clearance – www.tesco.com offers a clearance page for special buys on Appliances, Phones, Jewelry, Furniture, Electronics and more.

Life Insurance – Get 50 Pounds off shopping or fuel if you get a quote and accept the policy before November 12, 2008.

For American Shoppers, Tesco is comparative to Wal-Mart, but offers many services additionally. Figuring the exchange rate from British Pounds to US Dollars is easy, and well worth the effort. I would highly recommend a visit to www.tesco.com .

The plight is how cheap is defined; the dictionary will give you two options. Cheap can mean having a surprising extreme cost for the product or service obtained, or it can mean a product that is low-quality and ghastly.

Your goal should be to obtain the best quality insurance coverage you can find at the lowest possible price. The alternative can leave you in a real bad situation.

If you purchase a awful policy that has inadequate coverage, you can end up financially ruined. That policy will not turn out to be a savings!The most critical step in knowing how to get cheap car insurance is to do comparison shopping. You would not think of purchasing a refrigerator without checking for the best options available at the best price. The same applies to insuring your automobile. How do you do this? You could call several agencies or go in person; some people prefer to do business this way. The alternative more and more people are using is to get online and get several quotes. You can just search “car insurance quotes” or you can be more specific and search for “car insurance quotes Cleveland” or the name of your town. Just remember to compare apples to apples, not just focusing on the designate, but the policy details.

Consider the deductible involved: a higher deductible usually means you acquire a slightly lower premium. The downside is that at the time of an accident, you must have access to that cash immediately, especially if someone else’s vehicle is involved or if your vehicle is under lien.

Liability coverage is one area where you want to tip-toe. You don’t want to ever be caught with inadequate coverage. Most states have required amounts you have to carry, but that may not be enough.

In a split second that it takes you to look off the road, you could cause an accident. Just hospital bills for someone you injured could mount up to an exorbitant amount. And, you must consider the unpleasant possibility of a lawsuit. Notice how many law offices there are in your town; they are not operating solely for divorce cases!

While you certainly don’t want to pay for unnecessary coverage, you need to be SURE you are adequately protected. Here is the Most IMPORTANT piece of any policy quote you consider when trying to pick up cheap auto insurance.

I am not an insurance professional, but I have worked as a true secretary. I do know that this is one area where trying to save money the dismal way could extinguish the rest of your life. If you don’t have the money when they sue you, it will be garnisheed out of your salary forever!

Ask lots of questions to friends and family about their liability coverage. Ask insurance professionals and find out what level of liability coverage you should get, if you are unsure. Having a trustworthy driving record will help you get cheap car insurance. Be sure all records are correctly expunged at the correct time, if you have had a few marks against you.

It is pleasurable if anyone on your policy takes approved drivers education courses, especially drivers under 25 and any drivers with some past problems that are causing higher rates. Take any driver schools available for folks with speeding tickets, whether the court orders it or not. Usually, if the margin of speeding is great or reckless driving is involved, the judge will require it.

If you have younger drivers, it is notable that you document their good grades, if they have them. This will often support you get cheap car insurance. Also, you can cover them to unprejudiced drive one vehicle, if desired, but be sure that they don’t drive the other vehicles uninsured. I would be quite careful with that option.

Think ahead about those sports cars; check what the rating of a vehicle is before you purchase it. Some cars are speed demons, causing the calmest of individuals to rev their engines! Some vehicles are a car thief’ s choice. Others are classics with very high cost replacement parts. believe all of these issues before lift, if possible!

This next option sounds really bizarre, but clean up your credit rating. Check for errors. Automobile insurance companies are checking credit more and more, especially since so worthy of this is done online, now. This will effect your ability to come by cheap insurance.

Tips & Warnings

• JUST BE SURE, you regain adequate coverage, or you could be regretting that cheap car insurance the rest of your life.

What the car insurance companies know, is that less than 30% of people shop around for car insurance to get the best deals out there. They also know that if they can present that they can save you money on your car insurance, you will switch car insurance companies to do business with them. The truth of the matter is, they are right.

The time spent to shop around and get the best comparison prices is well worth it. Most people do not realize that they could possibly save up to $500 a year on their car insurance if they comparison shop! You could use that money to pay down a credit card or pay off some other high interest debt. It also pays to comparison shop on a yearly basis as prices rise and fall, you could make out in the end on the best deals.

The car insurance companies know that many people are in debt and they are looking for ways to save money. That is why you are seeing all these commercials trying to get your business. There really is a big difference in label quotes with the same kind of coverage from different car insurance companies. The key here is to make sure that you are getting the same kind of coverage. Be careful that you are not losing any coverage that you need to get that cheaper quote. Call the car insurance companies and go over your current plan and ask them for an exact coverage comparison. You will be shocked at the various prices for the same coverage.

Car insurance companies are not the only ones that can help you save money. What about your homeowners insurance? What about other insurances? Most people don’t reflect about checking support on their quotes and shopping around after they already have a plan. You may have got a good deal 3 years ago, but now you might be paying outrageous premiums compared to other insurance companies with the exact same coverage.

So, shop around and save yourself some money. You may be able to save enough to splurge a little on yourself for a change! Make an extra payment on any bills, if you can, to save on interest charges and pay the bills off sooner. You’d be surprised at how easy it is to save if you fair keep on top of the car insurance price wars.