The Three Most Common Types of Insurance

There are many insurance plans available to offer coverage for various sorts of damage or accidents. All families should have at least one of these three.

Types of Homeowners Policies

Homeowner’s insurance falls under one of six categories. HO-1 and HO-2, as they are more commonly known, cover only the property against specifically listed damage. These policies vary as to what damage is covered, and neither protects belongings located on the property. HO-2 forms offer more coverage than an HO-1.

HO-3 protects against all types of damage, not just specifically listed damage. It also protects a select list of belongings located within the structure from specific damage.

HO-4 and HO-6 cover only belongings. Renters use these policies as the landlord or management company holds coverage on the dwelling. As with HO-1 and HO-2, HO-6 offers greater protection than HO-4 and is more expensive.

HO-5 is similar to HO-3 in that it covers the property as well as personal belongings. The difference is that HO-5 covers all belongings, not just a set few. It is also more costly than some of the others, but it is worth it.

Types of Medical Options

Medical is another common form of insurance, and as with homeowners, there are different kinds for you or your employer to choose.

Health Maintenance Organization, or HMO, is one of the most used types. This plan allows you to choose from a network of providers, and it also includes preventative care. However, you must be referred by your primary care physician in order to see a specialist. There is also a small copay you must pay at each appointment.

The Preferred Provider Organization, or PPO, also has a network of doctors available. Unlike an HMO, you do not have to choose a primary care provider. You can see any physician, or even a specialist, as long as he is in network. Also, you do not have to have a referral to change doctors. As with other plans, each visit requires a copay.

Exclusive Provider Organization, or EPO, works very similar to HMOs and PPOs. These cost less and have a network of providers available. However, unlike a PPO, where an out of network doctor visit is covered up to a point, there is no out of network coverage for these plans.

The Point of Service Plan, or POS, is a hybrid between an HMO and PPO. POS requires a primary care provider assignment, but you can see out-of-network doctors if you are willing to pay a higher copay.

Different Auto Coverage

Auto insurance is also widely used. Depending on your loan terms and state requirements, some options may be unavailable to you.

Liability plans cover damage and medical bills in the event the accident was deemed your fault. It only covers the damage done to the other person’s property as well as any of their medical bills. Most states require this as minimal coverage. It is also the most inexpensive option available.

Collision coverage will pay for repairs to your vehicle in the event of an accident. This type of insurance is worth having, in addition to liability coverage, even if you have an older vehicle that has no lien. In the event that your vehicle is totaled, your plan covers the value of your car. This policy is required for those with lienholders.

Comprehensive coverage covers anything unrelated to an accident like if your vehicle is stolen or you hit a deer. For most lienholders, this is a requirement.

Uninsured motorist is something that everyone should consider. While most states require at least liability coverage, some drivers don’t keep the plans much past getting their license or tags. This policy protects you in case someone else causes damage and doesn’t have a plan in place to pay for repairs.

When considering insurance, Canton, OH, residents visit Canton Insurance Agency, Inc. Learn more at

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What Is an Abstract Ideas Article?

The formation of abstract ideas

While thought and ideas, like language, originate from labour, men likewise develop their thinking and their ideas in the course of the whole of their social activity.

Writing of the development of ideas or of human consciousness for the peculiarity of human consciousness is that man is conscious of things not only thorough perceptions but also through ideas Marx and Engels showed that man’s consciousness arises and develops “only from the need, the necessity, of intercourse with other men. Consciousness is therefore from the very beginning a social product, and remains so as long as men exist at all.”

Ideas are not the products of a pure intellectual process, nor are they mere automatic responses to stimuli reaching us from external objects. They are produced by human brains in the course of human social activity. They reflect the connections of men with one another and with the external world, the real conditions of men’s existence.

The first and most elementary ideas directly derive from immediate practical intercourse with other people and surrounding objects. They are formed by giving names to the common features of things recognizable in perception. From the start, as Marx has stressed, “the production of ideas” arises from “the material activity and material intercourse of men”. And out of this activity and material intercourse at its most elementary level is already formed a complex of elementary ideas of external objects, of the self and of other people of the kinds and properties of objects and their various connections with and uses for people.

In such ideas are more or less directly reflected the salient features of objects and human activities as we are immediately aware of them in perception. Such ideas constitute the basic, elementary equipment of human thought and communication. They are expressed in words denoting familiar objects, and properties and relations of objects, and everyday activities.

We all possess a rich equipment of such ideas. Our possession of them represents a considerable social achievement, but we take them quite for granted, use them all the time, and every child learns them at an early age. Such are our ideas of the things about us with which our normal affairs are concerned, such as men and women, tables, chairs, motor cars, trees, flower, dogs, etc; of sensible properties of things, such as red, blue, hard, soft, big, small and so on; and of actions and relations, such as running, walking, falling, above, below, etc, our own equipment of elementary ideas is obviously far greater than that of primitive man, precisely because we do many more things and concern ourselves with many more objects and relations. Nevertheless, the consciousness represented by such elementary ideas remains, “consciousness concerns the immediate connection with other persons and things”.

Learning how to think

A condition for the development of abstract ideas is the separation of mental from material labour. And it contains within itself contradictory potentialities. On the one hand, it permits the acquisition of profounder knowledge of the real connections of things and of the conditions of human existence than is contained in immediate perceptual consciousness. On the other hand, it permits the growth of all kinds of fantasies and illusions.

Consequently the whole process of the intellectual development of society presents contradictory aspects. On the one hand, there has been the undoubted growth of genuine knowledge, in other words, of true ideas, whose correspondence with reality has been verified, concerning nature, society and the relations of men with nature. On the other hand, there has been the growth and elaboration of illusory ideas. As society has developed, so men have developed in their minds illusions about themselves and the world they inhabit. Each epoch has added to the sum total of human knowledge. And at the same time, each epoch has produced its characteristic illusions, which circumscribed, penetrated and colored the entire intellectual production of that epoch.

It is here, then, that we find the root of the opposition and struggle of materialist and idealist tendencies which has run right through the whole development of thought.

The opposition of materialist and idealist tendencies is a fundamental opposition, arising from the very nature of thought itself, once it has developed to the level of abstract ideas. It arises with the separation of mental from material labour. When mental labour first begins to “emancipate itself from the world” as a theoretical activity, and to “become something other than existing practice,” then there immediately arise the two alternative paths of theory to strive to understand things in their own connections and to explain what happens in the material world from the material world itself, which is materialism; or to launch out into the realm of pure thought and represent the material, sensuous world as dependent on thought and the product of thought, which is idealism. In other words, to regard being as prior to thinking, or thinking a prior to being.

Understood in this light, the struggle of the materialist tendency in though against the idealist tendency is understood as a struggle, carried forward through ages of human history from primitive times up to the present day and into the future, to learn to think truthfully and correctly, in a way that truthfully reflects the real conditions of human existence and helps human progress. It is the struggle for knowledge and enlightenment against ignorance and superstition.

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Do You Know Your Heart?

Our heart is an internal organ that pumps blood throughout our bodies. The blood carries many things that are necessary for life, to include oxygen provided by the lungs, food provided by the digestive organs, infection-fighting white blood cells, and a pickup service to take out the trash, so to speak. So, if we want to ascribe our morality, our reason for being here, our soul, to a place in our body, it is to the heart, and not the brain, which would die without the heart’s life-giving blood.

It seems that the purer we are, the more in touch we are with the purposeful qualities that we keep in our hearts. Native Americans as a broad ethnic group seem to have that purity. I know that it is a mistake to group a people broadly. The different tribes of Native Americans were like the different tribes of Europe that became distinct countries. The same can be said for people of Africa, West and East Asia. I have seen this quality depicted in films about famous Native Americans.

Both Geronimo, a Chiricahua Apache, and Crazy Horse, an Oglala Lakota (Oglala Sioux) are said to have had the ability to look into the eyes of a tribesman who strayed from his people’s purpose to ask, “Where is your heart?” in order to get back their allegiance. So, I ask you, “Do you know your heart?” We modern Americans are a very distracted people. Perhaps that is somewhat due to our diluted blood lines. We have lost touch with our tribal ancestry because our DNA is of many tribes. Some think that makes us stronger. Others think that makes us blood thirsty. We seem to be able to change the direction of our heart, and in the modern age, the influences on us to do it are powerful and relentless.

Religions, social pressure, political enlightenment, greed, love, power, and survival are some of the primary influences that can lead us astray from the purpose of our heart to send us off in a new direction. If we happen to be world-shapers like Geronimo or Crazy Horse were, we can take many other hearts along with us. But, the question stands. Are you doing things with your life with no perception as to why you do them? Perhaps you should reflect on where is your heart. When the noon time of your life comes, you will look back on what you have done with your life, and you will know if you have been true to your purpose or not. The noon time is essentially at the end of three-quarters of your life, at retirement, or generally around sixty-years-old. I am at the noon time of my life. I know my heart. I listen to it. It tells me to write.


Tony is a writer, an author of several published novels, and an independent publisher. In September 2012, he wrote and published the first of a three-book drama series, “A Voice from New Mill Creek: The Methodists,” as an e-book. In April, 2013, he released his second e-book and first romance novel, “Goodnight Paige.” In July, 2013, Tony released a guidebook titled “How Tony Wrote and Published Two Novels.” In May 2014, he published “The Star of India, “the second novel in the Voice From New Mill Creek drama series.

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Do Less To Do Better

So often we think of productivity as doing more and more each day, packing in everything like an overstuffed suitcase. Just one more email, one more call, or one more thing before we collapse into numbing exhaustion at the end of the day. Wikipedia defines productivity as “an average measure of the efficiency of production.” Note that it does not say the amount of production but rather the efficiency of production. Just because we are busy doesn’t mean we are productive or efficient.

One of the greatest detriments to productivity is that we live in a hyper-stimulated world, we continually have our boss, our co-workers, our clients, our emails, phones (multiple), social media, and a multiplicity of other things clamoring for our attention. God forbid our families, kids, or loved one want time carved out for themselves, we just don’t have anything left. We are running on fumes most days.

A couple of simple, yet powerful, concepts and techniques came make a radical difference in our lives, freeing us to focus on what is essential life.

Focus on What is Essential

In his book, Essentialism, Greg McKeown talks about doing less to do better. I can hear the alarms bells going off here, as you say – “But I have SO much to do.” McKeown argues that when we are maxed out with multiple projects and endless to dos, we don’t do anything really well but rather our efforts are diluted and dispersed because we get overloaded.

What if we eliminated those things that were not truly essential? Do we need to go to every meeting, or say “yes” to everything we are asked to take on? Develop 1-3 core objectives for your job, your business, and your life and evaluate everything as to whether it adds or subtracts from your objectives. This takes time and practice but the payout is huge.

Make Space for What is Important

Following on the concept of essentialism, Leo Babauta with Zen Habits gives a wonderful analogy of filling up you weekly buckets with Big Rocks first, then leaving space for pebbles and sand to fill in. The Big Rocks represent the most important things you need to do in the coming week to meet your objectives. Babauta recommends having no more than 4-6 Big Rocks. The Big Rocks should include non-work items as well (your family and friends will thank you!). By focusing on the Big Rocks first we get the most essential things completed. This also help to avoid procrastination as we focus on our mission critical first. It also gives us greater permission to push back on those things that clutter our ability to focus on what is most important.

Bite Off Small Chunks

Two things that contribute to our overload are underestimating the time it actually takes to complete a project and putting things off until the last minute because we really don’t want to do them. The Pomodoro Technique can really help to address both these issues. Its philosophy is simple – break things down into 25 minute increments. When working on a project or studying set a timer for 25 minutes. Eliminate all distractions during this time (turn off phone ringer, turn off computer notifications), and focus only on the task at hand. No multi-tasking here as it defeats the purpose. Take a couple of minutes break after the 25 minutes and then move onto the next project for 25 minutes, or add increments of 25 minutes to complete a project.

I struggle with underestimating some projects especially if it is a new area, or the project is more complex than I anticipated. I find myself becoming frustrated because I either have to finish the project and put off other things, or I need to leave the project temporarily to complete another scheduled task. Either way I end up feeling frazzled. I have found the Pomodoro Technique is really helpful for this. Start putting down expected time for a project, then log the actual time it takes to complete the project or task. For example, if you write a weekly newsletter and you normally block out 1 hour for it, but with research you find it normally takes you an 1 hour and 30 minutes. This information will really help you be more realistic in planning out your week. It will help you focus on the important things but also helps better schedule your calendar so you don’t end up with an unrealistic schedule that leaves you unfocused and over-scheduled.

Janet Burton is a writer, storyteller, and speaker. At Dynamic by Design her goal is to inspire and motivate others to dream big and live life dynamically and intentionally so that you may live a life without regrets. Her mission is to help you merge your dreams with intentional action. Visit site at

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Denying Racism Is the New Racism

Have you ever wondered why it’s difficult for most white people in the United States to affirm that racism exists? Well, it’s because the white community is seldom on the receiving end of racist activities and as such, they never get to experience it first hand. One of the important lessons taught to us by capitalism is the notion that “it’s not my business unless it affects me directly.” This is exactly the reason why denying racism is the new racism. Let’s take a detailed look at these issues through a nonpartisan lens.

1. America’s Deadly Denial of Racism
I call it deadly because this form of racism is slithery and venomous, but so subtle you will hardly notice. It’s the same as standing still and watching a fellow innocent American being beaten to death and doing nothing. It takes the silence of good people for evil to reign. In essence, if you are sitting in a restaurant and the waiters treat you better than the African American couple in the table across you should speak up or you are much a racist as the Ku Klux Klan.

2. Denial of White Privilege
You only need to look at economic demographics to understand that racism actually exists. Whites are at the top of the pecking order and share a huge amount of the national cake. White privilege is especially rampant in the job market and academia. You will hear a number of excuses but the underlying cause is actually race.

3. Why It’s So Hard to Talk to White People About Racism
The American society is wired in such a way that people don’t like to meddle in the affairs of others. Whites have developed a tough skin towards racial issues and will immediately switch to defense mode the moment you mention racism. To them, the vice is considered as a problem of the “others” and therefore none of their business. However, a strong stance should be adopted because of the fact that denying racism is the new racism.

4. Why do many white people pretend racism does not exist?
The answer is easy and direct. It is simply because they are seldom on the receiving end. They have lived in a society that economically, socially, and politically favorable to whites. Therefore, most will consider it an advantage rather than a vice. For instance, who would complain just because they were hired based on their race? Rather than support it openly, most whites choose to pretend that it doesn’t exist just to maintain the status quo.

Denying racism is the new racism because it equals turning a blind eye on a vice that actually exists. Due to the fear and negative publicity associated with supporting racism, most white Americans choose to deny it’s existence.

Ranches Lee Hall is a pastor. He’s been online now for several years operating different blogs and online businesses and providing helpful information. He enjoy songwriting, reading the bible, playing the keyboard or piano he currently runs

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.