Jones Insurance Agency - Nationwide Agent in Memphis

Your prized possessions. You've worked hard for them so protect them well. Jones Insurance Agency, an agent for Nationwide in Memphis, provides customized coverage that meets your needs and your budget, carrying you through times of crisis and helping you to recover. Their superb staff will tailor a policy for your auto, home, business, boat and more, so stop by today and you'll sleep better tonight! Visit us www.yellowpages.com



http://www.youtube.com/watch?v=48z2C7rXEAk&hl=en

Richard Wright Coming of Age in a White-Dominated South and Equipping Himself For Fighting Racism

Richard Wright, grandson of a slave was born and spent the first years of his life on a plantation near Natchez, Mississippi. The family's extreme poverty forced them to move to Memphis, Tennessee, in 1913 when Richard was six years old. Soon after moving, his father, a former sharecropper, abandoned the family, leaving his mother to support them alone.

His family moved to Jackson, Mississippi to live with relatives. Wright's entire life was fraught with such continual moving from town to town and staying with relatives, being boarded in orphanages, and hostels, incurring cleavages with family members and teachers, fighting incessantly with bullies, white street gangs,as much as his constant fight against hunger, hypocrisy, parental neglect and the trauma of living in a household of multiple sick members and coping with the drudgery of Christian fundamentalism

So when at the age of 15, Wright started expiating his feelings by writing his first story "The Voodoo of Hell's Half-Acre", and it was published in Southern Register, a local black newspaper, he had little support and encouragement from his family He had to develop a high level of motivation and daring , to go ahead forging notes with the signatures of whites to borrow books from the library for him to satisfy his unquenchable thirst for great literature.

Richard keeps steadily growing physically, socially, psychologically as well as emotionally. He begins to feel his hormones surging forth in church and he starts lusting after the elder's wife and is sexually stimulated by the "sweet sonorous hymn."

Richard soon starts finding new ways of spending his leisure hours untill one day, he decides to write a story about an Indian girl who commits suicide by drowning herself. As he reads the story to a young woman next door, Richard experiences a strange feeling of gratification at his accomplishment.

Richard enters the fifth grade of the Jim Hill School in Jackson, at the age of 13 two years behind his age group. On his first day, at the school, he takes the challenge to fight with two of the school bullies. In spite of all this, he does well in school, gains confidence and within two weeks is promoted to the sixth grade. . In addition, he delivers newspapers and works briefly with a traveling insurance salesman.

Most of Richard's schoolmates work mornings, evenings and Saturdays to earn enough money for buying clothes, books and lunch. But his Granny, being a Seventh Day Adventist, does not allow him to work on the Sabbath. Unable to work, Richard goes hungry during school while all his schoolmates buy and eat their lunch.

Richard begins friendships here, some of which were to last into his adulthood. (Dick Jordan, Joe Brown, Perry Booker, D.C. Blackburn, Lewis Anderson, Sarah Mc Neamer, and Essie Lee Ward.)

A classmate seeing Richard's unfortunate condition, and wanting to help him out of it tells him to take up a job selling papers published in Chicago. Richard realizing that he could thus make money as well as read the magazine/comic strip accompanying it, welcomed the idea. With Granny's approval, he starts selling the papers in the "Negro areas for a dime each, reading only the magazine supplement until a family friend points out to him the racist orientation of the articles in it. Richard then throws his paper away and never sells them again.

Richard continues to excel at his studies and keeps reading through volumes of books. Once whilst his Granny was trying to slap him for interceding in a religious debate between her and Aunt Addie, Richard ducks in time to avoid her blow whilst Granny slides down the porch steps, a long drag that left her barely conscious and bed-ridden for six weeks. An irrate Aunt Addie then confronts Richard: "You are evil! You bring nothin' but trouble!" threatening to beat him, thus forcing Richard for a month or so to be carrying a kitchen knife with him to bed for protection.

Family life continues to be difficult, although his mother's health improves slightly. He travels briefly during summer in the Mississippi Delta region as "secretary-accountant' to an insurance agent, Brother Mance, this permitting him to know the rural South much better. But he was greatly dismayed at the illiteracy, ignorance and naiveté he encountered among the black plantation families there. The money he earned quickly disappears and Brother Mance dies leaving Richard jobless once again.

The next year Richard begins the seventh grade. He begins to feel his hunger gnawing at his stomach once again. His grandfather falls seriously ill and dies. After being wounded in the Civil War, he had never received his disability pension in spite of decades writing to the War Department for it. For decades, Grandpa would write to the War Department to claim his pension, with no luck. Whilst his grandpa was ill, the family wrote letters, drew affidavits, and held conferences in an ill-fated attempt to claim his pension. After coming home from school one day, Richard is told to go upstairs and say good-bye to Grandpa. After that Richard is sent to tell Uncle Tom who upon his arrival with the news, shows nothing but anger thus reinforcing Richard's realization that he always seems to provoke hostility in others.

Richard's Granny now gets compelled to allow him to work after school and on Saturdays, although reluctantly. He was first interviewed for the job of chore boy by a white woman who had the temerity of asking him if he steals and serves him stale bread and moldy molasses for his breakfast Richard confirmed her racist intolerance when she expressed her astonishment at his desire to be a writer by asking him rather audaciously, "Who put such ideas into your nigger head?" Richard decided against the job at once and never returned to it. He now took another one running errands and serving food for a white family. After work he would be so tired that he found it hard to keep up with his studies. He thus managed to earn enough to buy textbooks, food, and clothes. At midday recess in school he would now show off by buying his own lunch and school books and putting on his new clothes.

His mother begins to recover and is soon well enough to attend a Methodist church to Granny's disapproval. Richard keeps accompanying her there until to please her he gets himself baptized there. He obliges not because of faith, but because all his schoolmates socialized at church meetings. During a religious revival, Richard is forced to converting and being baptized by his mother as well as the entire black community. In the meantime, Richard avidly reads pulp novels, magazines, and anything he can get his hands on.

His uncle, Thomas Wilson and family came in and rented the upstairs in Spring 1923. He threatened to beat up Richard for being rude which makes the defiant and horrified Richard to take with him two razor blades threatening in turn to fend him off with..

Towards summer 1923 Ella Wright suffered another paralytic stroke, and the family moved from Natchez to Jackson, then to Elaine, Arkansas, and back to Jackson to live with Wright's maternal grandparents, who were restrictive Seventh-day Adventists. The next year Richard obtains a job in a brickyard bringing pails of water to the thirsty black laborers. But one day he is bitten in the thigh by the white boss's dog. He receives no treatment, but a cool racist rebuff when he reports the matter to the supervisor,: "A dog bite can't hurt a nigger."

Wright experienced sporadic schooling throughout his young life due to their family's constantly moving. He attains the eighth grade at Smith Robertson Junior High School, Jackson, a school founded and built by a former slave by that name who became a successful local barber and community leader. It is the first black institution of its kind in Jackson dating back to 1894. Until he could afford a bicycle Wright had to walk several miles daily to and from the school.

He soon begins working for the Walls, a white family whom he finds kindly and so served them for two good years. Then out of job again he begins brooding over the prospects of a Negro living in a white-dominated society like theirs. In the process during the winter he came to write a short story, entitled, "The Voodoo of Hell's Half-Acre," published in the spring of 1924 in the Jackson Southern Register, a local black newspaper in three parts, with no surviving copies left. Wright was at the age of fifteen, when he wrote it.

When his fellow pupils read it they remained baffled as to Richard's motivation for writing. His staunchly religious grandmother, kept books out of the house and thought fiction was the work of the devil had brought all the household over to her conviction against Richard's creativity. So even his family did not give him any encouraging words as they joined his grandmother in believing the story was part of the devil's work. Richard thus grows more isolated by his progress from his immediate family and friends. But this did not frustrate his quest for advancing in that realm. His dream of writing continues to grow, despite the many forces against him: the stifling educational system in the South, discouragement from those around him and the stifling Jim Crow laws. He soon realized that with proper reading materials he could teach himself well.

Various demeaning jobs, one of which involved him delivering racist newspapers to the colored community, and family alienation, accelerated his escape into horror and mystery short stories and novels.like those of Edgar Allan Poe. He said that as a youth he "could not read enough of them." This sparked Wright's interest in defining his experience, through writing, as a poor black boy in a southern state, experiencing racial tension. He continued writing his own short stories. These frightened his simplistic grandmother who could not understand why her grandson was interested in writing about mystery and horror. Wright as a defensive move, kept any aspirations he had to be a writer to himself after his first experience with publication.

Richard now begins to seriously reflect upon the fact that racism and prejudice are products not only of the attitude of whites in the South but are products of the educational system. Black children are taught in ignorance, with no goals or motivation to grow as intellectuals. To Wright, the educational system that nurtured him was corrupted since it was solely geared to teaching them to remain ever subservient. He thus kept wondering as to why the whites decided to keep blacks in perpetual darkness. Here, he formed some lasting impressions of American racism before moving back to Memphis in 1927. While in Memphis he worked as a dishwasher and delivery boy and for an optical company. Tired of segregation law he became determined to leave the South before he would irretrievably overstep the bounds of the Jim Crow restrictions on blacks.

Richard's inability to cope with the tedium of Mr Bibb's job forces him into idleness again It is summer again and Richard now inquires of Mrs. Bibbs - his employer - whether her husband has a job opening at the sawmill. But the next day, Richard is warned of the hazards of working there by a black saw mill worker revealing his own hand with three fingers missing. Richard leaves and does not return.

The next afternoon, Richard seeing Ned Greenley, his classmate, sitting on his porch gladly approaches him but is shocked to learn from him that Ned's brother, Bob, who has been a hotel porter has been murdered by some white men who disapproved of his activities with a white prostitute. Richard thus becomes more conscious about the brutality of the racially oppressive South. The murder of Bob Greenley is elevated to myth-like status in Richard's mind. Because he has never witnessed the racial brutality and misconduct of Southern whites, his fears are heightened. But he soon realizes that he must learn to behave "correctly" for the sake of preserving his own life.

Richard's isolation from his family becomes more apparent to him when one day after talking to his cousin Maggie, he accidentally overhears Uncle Tom scolding her for conversing with him and warning her that Richard is a "dangerous fool" from whom he expects her "to keep away." When Richard's brother, Leon, returns home from Chicago, having become aware that the family seems to love and approve him more than they do him, joins Uncle Tom and the other family members in their opposition to Richard..But his isolation from his own family became a source of Richard's strength. At a young age, he learned out of necessity to be independent and willing to fight.

When Richard graduates from school, he is elected valedictorian of his class. The school principal approaches him with a pre-written speech to read at the graduation ceremony which Richard refuses to read thus forfeiting an opportunity to attain a teaching position. When the principal summons him into his office and hands him an already prepared speech, Richard is stunned. He refuses to read it, despite pressure from his family and peers like Griggs, another boy in school, who decided to recite one of the principal's speeches.. So on the day of graduation, Richard not caring a bit about possible consequences delivers his own speech 'The Attribute of Life' , dressed in a new suit, and leaves the platform immediately afterwards.

Anxious to earn money, Richard starts working as a porter in a clothing store catering to "Negroes on credit" under an unrepentantly racist boss who contemptuously slaps, kicks and sacks blacks at the slightest instance. One morning, he witnessed the boss and his son brutally kicking, slapping and dragging a black woman into the back of the store to rape her. A white policeman looks on unperturbed until at the end of their act when he arrested the woman charging her for being drunk.

Another incident occurs when Richard was returning from delivering supplies to negroes and he was approached by a car filled with white boys who whilst questioning him over his bicycle that he was pulling along, asked him whether he cared for their whisky. Upon his answering them without addressing them as "sir." Richard has a whisky bottle broken on his head and left bleeding.

Each day, hatred builds in Richard for the whites. The boss's son even fires Richard for not laughing and talking "like the other niggers."

Next time he runs into whites was on one Sunday evening while returning from a delivery trip when he is accosted by white youths who warn him to tell his boss to stop sending him to white neighborhoods at night.

Richard who continues to witness the wrong and brutal treatment of black s everywhere is driven off several jobs because white people do not approve of the way he acts; for he does not know how to laugh or talk like "the other niggers.". This was what he learnt when Richard runs into his old classmate, Griggs, who criticizes him for not learning to get around "white folks." Warning that he was already in their black books he told him that he would do well for himself to think before he speaks and, to think before he acts, Griggs reveals that underneath his innocent demeanor, he too hates white people, but keeps it concealed.

Griggs then obtains Richard a position as an intern in an optical shop. The boss, Mr. Crane, a Yankee, hires Richard immediately and he starts earning five dollars a week. Though Mr.Crane, is decent,. Pease and Reynolds ¬ two white workers at the shop ¬keep harassing Richard and causing nothing but trouble for him. Both make degrading racial comments in front of him and threaten to kill him for failing to call Pease "Mister Pease" (even when Richard had not forgotten).In the end Richard who was really serious in learning leaves the job out of fear crying on his last walk home from work.

Richard experiences racial violence firsthand when he begins to work in town. Inexperienced in his new environment, he finds it difficult to act "properly" the way Griggs acts. Even when he tries to conform, he is not subservient enough. Richard must learn to mask his hatred and true feelings to be able to survive.

Richard's next job is that of a helper in a drugstore. But without knowing the right words to say to his white boss, he loses this job soon enough. He grows more conscious of the roles that other Black Boys assume in their jobs. Soon, Richard takes a job as a hall boy at the same hotel where Bob Greenley had been killed by whites. At his job, Richard socializes with the other black workers. To avoid confrontation, Richard had to obey the white watchman and ignore their action when they slapped the behind of one of the maids that he was escorting home one night..

Determined to make more money, Richard sacrifices his morals and begins to sell bootleg liquor to white prostitutes in the hotel.. He takes another job at the theater in town, where he gets involved in a ring scamming tickets. As a ticket collector, Richard saves tickets to re-sell at the front counter. Quickly, he amasses enough money to move out on his own. He does so, promising to send for his mother when he earns enough.

Richard comes to realize the social cycle in the relationship between whites and blacks. The black workers that Richard observes fall into stealing and cheating because they feel justified by the poor treatment they receive from their white bosses. In turn, the white bosses feel justified in their racist attitude to black workers who cheat and steal. Richard then falls in line with the typography when he steals a gun and in concert with others, robs a college store stealing foodstuffs and fruit juice and thereafter leaving Jackson.

In November of 1925, Richard arrives in Memphis, Tennessee ready to live on his own. He walks down Beale Street - a street notorious for its bad reputation - until he sees a large house with a sign: "ROOMS." Not knowing whether it is a boarding house or a whorehouse, he is hesitant to enter until a large "mulatto" woman beckons him in. The woman, Mrs. Moss, lives with her daughter, Bess, in the house.. Both soon strike Richard as the nicest, simplest people he has ever met. Richard secures a room for himself here. They rent the upstairs room to Richard. His landlady, Mrs. Moss, wishes to have Richard marry her daughter, Bess. But Richard shows no interest..

Even when they invite him to eat meals with them,.Richard refuses. He is uncomfortable with the over-loving attitude of Mrs. Moss toward him. Richard is irritated by her "peasant mentality," but is tempted to take advantage of her. When he tells Bess that he wishes to be friends, she decides that she hates him. Although Mrs. Moss and Bess express compassion and love toward Richard, he regards them with contempt. Mrs. Moss and Bess seem simple and uneducated, almost to the point of ignorance to him. They seem to be in a world of their own. With a house of their own, they can afford to live comfortably without being afraid - or even aware - of the racial prejudice of the South.

Remembering his failed attempt at becoming skilled in the optical trade, Richard decides that he will try to break into the trade again in Memphis, which is not such a small town like Jackson. While running errands and washing eyeglasses, he learns how to contain the tension he felt in his relations with whites. "The people of Memphis had an air of relative urbanity that took some of the sharpness off the attitude of whites toward Negroes," but there was tension nonetheless. There, Richard obtains a job at another optical company. His job is progressing until one day, the head foreman ¬ Mr. Olin ¬ lies to him that Harrison another black boy ¬is going to kill him. Mr. Olin constantly tries to provoke the two black boys into killing each other; until finally, he offers them five dollars each if they will box with each other. Harrison and Richard agree, fighting to the point of exhaustion. Richard is afraid that Bess has told her mother about their fight. Mrs. Moss questions Richard why he does not like Bess, saying that she only wishes that her daughter would marry somebody like him. Fed up with her pressures, Richard threatens to move out of the house but both Mrs. Moss and Bess beg him to stay.

Richard finds a job as a cleaning boy at a hotel in town, where he encounters other black boys his age. One boy named.Shorty surprises him by degrading himself,in allowing a white man to kick him in the ass for a quarter. Richard leaves to take a job at the theater, where he is involved in a ticket scam.from which he makes enough to move to Memphis

Meanwhile, Richard finds a dishwashing job at a cafe in Memphis. On his way to work, he encounters another young black man looking for a friend. The two wander down toward the rivers edge and find a bottle of bootlegged liquor which they sell to a white man nearby, agreeing to split the five-dollar profit. It is only when the other boy does not return with the money, Richard realizes that he has been scammed.

With more than he ever had before, Richard is able to buy magazines and books from secondhand bookstores. At his job, he would observe the other Black Boys who work around him. This included Shorty, the fat pale-faced, Chinese-looking boy who operated the elevator. He would entertain the white men by allowing them to kick his behind for a quarter. Other men who worked in the building were: an old man named Edison; his son, John; Dave, the night janitor. They discuss the rules of the whites with a sense of hatred, but accepted their boundaries because they realize the importance of money.

Richard is now reading very widely Harper's, Atlantic Monthly, The American Mercury and other magazines. While reading a critique on a white writer, H.L.Mencken titled "Mencken is A Fool" written by a fellow whiteman, Richard impressed by the criticism on Mencken long noted as a critic of the whites in the south becomes interested in H.L. Mencken. He goes to an Irish-Catholic man Mr. Falk and asks him to lend him his library card as blacks were forbidden from borrowing books from the library. So using this card Wright forged notes to the librarian : "Dear Madam: Will you please let this nigger boy have some books by H. L. Mencken?" Through this method Wright seeks out Mencken's Prejudices and A Book of Prefaces and is particularly impressed by Mencken's iconoclasm and use of words as weapons.Thus entering the realm of literature,. he began to read contemporary American literature as well as commentaries by H. L. Mencken, which struck him with particular force. After reading Mencken's A Book of Prefaces, Richard yearns to know more about the authors he alludes to: Conrad, Lewis, Dostoyevski, Flaubert, Theodore Dreiser, Sinclair Lewis, Sherwood Anderson,the elder Alexander Dumas, Frank Harris, and O. Henry.. Richard sits up in his room, eating out of cans while reading great literary works and feeding his hunger. During these years he read widely as he had decided to become a writer. However, he continued to teach himself, secretly borrowing books from the whites-only library in Memphis. "My days and nights were one long, quiet, continuously contained dream of terror, tension, and anxiety," he later wrote in his autobiography BLACK BOY .

A turning point in Richard's growth and maturation is when he discovers the power of words - a discovery that changes his entire outlook on his own life and those around him. Whereas his hunger had previously consumed him, Richard finally begins to satiate his thirst for knowledge through his reading, learning more than any of his years in formal schooling had ever taught him. Although his reading isolates him even more from those around him and the black community, he develops a profound understanding of himself and his environment.

Soon, Richard decides to leave for the North. That winter, Richard's mother and brother move down to live with him. His brother obtains a job and the two decide to start saving to move North. Richard tells none of the white men on his job of his plans, knowing it would put him in danger. He tries to think of a way to live and refuses to stay in the south, to submit and be a slave, thereby forgetting all what he had read. He wonders how much longer he will have to stay in the South.

Her husband having deserted her Aunt Maggie visits the family in Memphis. Her visit formed a practical basis for Richards plan to move north. Aunt Maggie and Richard would go North first. Richard then told his boss and white co-workers that he was being forced to take his paralyzed mother to Chicago. The white men then warn him that the north is no place for a black man to live. Wright recalls: "This was the culture from which I sprang. This was the terror from which I fled."

In a northbound train, Richard tries to reflect on the various forces that led him up to that point: his isolation from the Southern environment, with the only thing managing to keep him alive being the books he read. But he then realizes that he can never leave the South behind emotionally because it is the South that had raised him. The novel ends with Richard heading North: "With ever watchful eyes and bearing scars, I headed North, full of a hazy notion that life could be lived with dignity, and that the personalities of others should not be violated, that men should be able to confront other men without fear or shame, and that if men were lucky in their living on earth they might win some redeeming meaning for their having struggled and suffered here beneath the stars."

PS TV30 'Denied'

Porter and Strange, PLLC "denied" tv spot Created by EVOK Advertising



http://www.youtube.com/watch?v=KlVuxLw52uw&hl=en

Insurance Marketing Territory - Great Product Marketing States

Check and see if any of the states in your insurance marketing territory are listed here. These are great insurance product marketing states to enhance your sales. State rankings are provided for the 11th thru 21st state along with a recap listing of the first ten.

TENNESSEE, Rating = 11 Tennessee is not considered a rich state by any means. However, it holds a solid reputation as a solid insurance marketing territory. Here long time recruiting operations are as totally committed to mailing Tennessee brokers, as are music collectors totally committed to collecting Elvis memorabilia. What really helps split up the competition is that the state is divided up into three major metropolitan areas, Nashville and Memphis, followed by Knoxville. We mentioned before, how this factor helps to significantly lower total recruiting competition. In addition, the wide diversity for annuity, life, financial, health, group, and senior products offers all product marketing firms an opportunity.

OREGON, Rating = 12 This an all round very good state to market your insurance products. Examining almost every statistical figure points out Oregon is within close range of the national "average" state. This includes the income level, the percentage of senior residents, the number of agents per thousand residents, and the amount of insurance marketing competition. The agent retention rate, and average number of years of agent experience correlate correctly. The response received back from insurance marketing firms contacting the quality agents has been favorable, and the response rate from agents has been slightly above normal. It is these two last, yet very critical recruiting factors that place Oregon significantly ahead of the middle of the pack.

ALABAMA, Rating = 13 Sweet home Alabama, where the skies are so blue, and the recruiters are too few. Alabama has an exceptionally good mix of agents, meaning independent agents, career agents that broker business, and multi-line small agencies that brokers with insurance marketers their life and health business. There is far less recruiting demand than expected. The lower competition pressure mixed with the pleasant response from those who using refined lists to recruit in Alabama, places a well deserved, lucky 13, rating.

KENTUCKY, Rating = 14 You way find the blue hills of Kentucky beautiful, along with the green pockets of Kentucky agent product recruiters. Kentucky has a fairly similar mixture of agents to Alabama. Although here in Kentucky, there exists a heavier concentration of career life agencies. The competition search for recruiting experienced agents to sell products, is just above normal, yet the response feedback from insurance marketing organizations ranks as being very good.

ARKANSAS, Rating = 15 Arkansas is ranked the ninth highest state for its rising senior population, and reasonable retirement housing and living costs. This makes it a must state for insurance marketing recruiters of senior market agents to sell ltc, long term care, medicare supplements part B and D, final expense, and some annuity products. However, here is a drawback for some insurance recruiters. This is a state where it is much harder to sell high premium, sophisticated annuity and life retirement/invest plans. Arkansas lends itself to a rural and small business atmosphere, starting just outside Little Rock city limits and extending throughout the entire state. As it is a low-income state, major life insurance career agencies have focused elsewhere. This leaves many semi-captive agents, independent agents, brokers, and PPGA producers. Moreover, it is a very good state also for marketing medical plans, small group, term, universal life, and family life products.

KANSAS If you have a limited recruiting budget, stay out of Kansas City, Kansas. This area has too many career life agencies. and lower agent retention. Unknown Fact revealed: a state or area of a state with a high concentration of career life agents averages a 5% to 20% lower retention of maintaining The remainder of the state, has agents of the caliber that are much more likely to show an interest in your insurance product or give brokers an opportunity. Kansas holds the 21st position for median family income, plus a senior population equal to the state average. For you, a recruiter, it means you have a vast variety of products for brokers to sell. Products ranging from variable indexed annuities, to long-term care, to universal life, all have their marketplace in Kansas. To these advantages, add good feedback response from other marketers and a lower that capacity demand for recruitment advertisements.

MISSISSIPPI, Rating = 17 For the current time we are keeping Mississippi in this ranking position. .Earning the distinction of currently being the state with the lowest median family income, does not help .This means it is a poor state to market annuity products, while lower cost health and life products thrive. Overdue modernization and a favorable business tax environment will eventually drive up the housing market and associated contracting and building occupation incomes. Local and regional recruiters know that outside areas are not feeling the effects; in fact, some are benefiting from higher quality that normal. Staying out of main town New Orleans is smart, while staying out of Mississippi is not.

OKLAHOMA, Rating = 18 Oklahoma is more than just an "OK" state. It may surprise you that most of the lower income states, have a higher than average rating. Why? Over the last 10 years, larger career life companies, especially those based in the high-income Northeastern/New England states have pulled out almost all their agencies in lower income areas. Why So? A Large career life company wants to get the agents off and running appointments with higher income products. They look for lots of possible clients that can afford high premium life and investment plans. In a low-income state, finding people with this profile is not feasible. For the number of Oklahoma agents willing to broker business, recruiters have overlooked the state far too often. Other than high premium or complex annuities, the state is wide open for business.

NEBRASKA, Rating = 19 Nebraska is not only home to the Cornhuskers. It is also the home of major health insurance companies, like Mutual of Omaha, World, Medico, and others. Although the senior population is slightly above normal, these home base insurers have quite a monopoly of senior related products. Their agent direction has widely changed however to being much less captive than before. This means the brokerage agents in Nebraska are still not very open to non-senior, blue-collar disability, and medical plans. The average family median income is above 28 states. This opens up good premium opportunities for brokers offered variable life, universal life, term, small group, worksite benefits, and annuity plans to sell their clients.

UTAH, Rating = 20 No every man does not have 6 wives, and 20 children. Therefore, it is not selling family life, and family medical policies that place Utah so high up in the rankings. Instead, it is the wide mixture of clients, especially outside the Salt Lake City area. The influx of agents moving from Nevada and Colorado to Utah is worth noting. The market for all types of life, annuity, and health products is very strong. There are a sufficient number of brokerage agents to make your mailing worthwhile.

In case you are wondering here is a recap of the first 10 rated states Florida, texas, California, Ohio, Georgia, Wisconsin, Minnesota, North Carolina, Michigan, and Missouri with the #10 state ranking.

GEORGE HARRISON: all things charge pass

a tribute to the best of the four beatles george harison please comment for this is my first video



http://www.youtube.com/watch?v=GytPv_v29lc&hl=en

The Top Children's Hospitals in the Nation and Their Specialty

With the technology improving so rapidly in the areas of medicine, improvements in treatments are proving to be more successful for the patients. Whether it is the use of better hospital lighting like cloud light panels or the advanced use of robotics in surgeries on tiny babies. This is particularly true for children and the higher success rates of care in the pediatric medicine given to them. This article talks about three top children's hospitals in the country such as Cincinnati Children's Hospital, Denver Children's Hospital and St. Jude's hospital in Memphis and the different areas of medicine that bring patients from all around the globe to be treated there.

Cincinnati Children's hospital has been on the forefront of pediatric medicine for many years. They are well known for two areas, specifically and they are the mental and behavioral illness sector as well as treatments for breathing problems like asthma. The center for mental health and behavioral medicine helps patients with anything from attention deficit disorder to psychiatric illness such as schizophrenia for example. The part of the hospital that handles breathing and lung issues like asthma helps children that suffer from lung diseases and problems breathing. This is important because the number one reason children are taken to the emergency room is from asthma attacks.

Denver Children's hospital has made a name for itself in the areas of surgical specialties. This hospital located in the mile high city has had quite a bit of media attention for the work it has done in successfully separating many sets of conjoined twins. This highly dangerous, yet important surgery has brought patients from all over the world to seek help for their problems related to being born as conjoined twins. They have also been recognized for being on the forefront of medical research in the area of pediatric medicine pertaining to surgery.

St. Jude's Hospital in Memphis, Tennessee is one of the better known hospitals for treating the terminally ill or very sick children suffering from various types of cancer. Patients at St. Jude's are treated whether they have the insurance or money to pay for it or not and they have been known to help save the life of children that are diagnosed with the rarest forms of cancer that no other hospital may be able to treat. The celebrity, Marlo Thomas has continually worked on spreading the word and raising money for this hospital through telethons and fundraisers so many people are familiar with the great hospital that it is nationwide. Many patients that are treated at this hospital come back to work there as adults because of the way St. Jude's saved their lives.

When parents have a sick or dying child, they will do just about anything to get their child the help and treatment they need. That is why so many people will travel far distances to get the best pediatric care for their children. America is lucky to have so many top children's hospitals in our country.

Booking Activity Holidays Online

An activity holiday is always fun and exciting. You are usually very busy the whole time. Planning out an activity holiday can be fun because you will get to look through various options and find the holiday that best suits you. Booking your activity holiday online can make the process much easier and quicker. An added bonus is that by booking online you can usually get an amazing deal.

Combination Deals

One of the perks of booking your activity holiday online is that you can often get good combination deals. You can book everything from transportation to lodging to events all at one time. You usually can do this and get nice discounts on everything. This can help you to save quite a bit of money.

You may also get special deals to events that can only be booked online. It is possible to arrange your holiday well in advance, too, which ensures that everything is set up and ready when you get there.

Variety of Options

When you shop online for your holiday you have a range of options. You can shop around more freely and compare different offers. You can do specific searches for certain destinations. You also have more options in accommodations.

Shopping online just opens up more options to you then if you were to book it with a local travel office. You can do more searches and find more variety in your holiday options.

Think about what you really want to do and where you really want to go. Every option you can imagine is available to you. Do not limit yourself because you fear it may cost too much. As mentioned, you can always find a good deal, so even the holiday you thought you could not afford could be yours when you shop online.

Get Started

Once you have decided that you want to book your holiday online, you can get started by finding a good website. Look for a site that is easy to use. You want to be sure that you are using a reliable site, too. Be sure that you check out any site you use before you actually book the holiday and send your payment information. You have to be sure the site is legitimate and that you will not get ripped off.

Once you find a good site you can begin to use the search tools to find your holiday. You can usually browse through your options and see everything that is available. It can take a little time to get all the aspects of your holiday in order, but you will find that it actually goes pretty quick once you know what you want.

Booking your holiday online is simple. It makes things more convenient and you often save money. You get to shop around without driving anywhere and you can book your holiday at 2 in the morning if that is the best time for you. You can see different options that may cost less and take advantage of online only deals. Going online to set up your holiday is something you must do for your next holiday.

A Food Crawl in the East Village of New York City

When you're looking for something fun to do on a weekend during the day, a food crawl is a great idea to take up some of your time. A food crawl is basically like a pub crawl if you're familiar with that term. You go around to a bunch of places and try all different types of food. You can pretty much do this anywhere, but here are a few ideas for doing a food crawl in the East Village of New York City.

Start out on East Seventh Street at First Avenue and go to Caracas Take-Out. There's the Arepa Bar also, but since you'll only be eating quickly and moving on, you'll want to order a couple of arepas from the Take-Out section of the restaurant and keep walking down the street. However many people you're with, order that many arepas and share them so everyone can taste a little bit of each. Next, walk down the block towards Avenue A and stop in at Porchetta for their infamous porchetta sandwich. The menu is limited and they pretty much focus on their signature dish.

Afterwards, you're going to want to head a few blocks up to Motorino, the new Brooklyn transplant, on Twelfth Street between First and Second Avenue. All of the pizzas here are delicious and the crust is definitely the best part. You hopefully have some room left because you have one more stop to finish off the crawl. That's right, the new burger joint on St. Marks Street called Mark. Order at least one slider, which comes with cheese and grilled onions. Try all of the different sauces they offer and decide which is your favorite.

When you're finished, you'll be guaranteed to be both full and content that you completed a very tasty day of eating and walking around a great area in Manhattan. Enjoy!

Apartment Jobs - Thousands of Families Shift Into Rental Housing Creating Job Opportunities

As everyone is fully aware, we are experiencing a very challenging economy. We've lost 7 million+ jobs since 2007 and that's expected to be revised adding another 1 million (+-) to the "loss column" in 2010. It's becoming more and more difficult to land a job, much less a career! U.S. Foreclosure rates have exceeded 250,000 for each of the last 10 months according to a report by Bloomberg on Feb. 12. (See linked report below)

The economy will get better but there are a lot of us taking whatever job we can to survive. The single family housing industry has been and continues to get crushed in many markets abroad. The banking industry is near annihilation and the auto industry has imploded. No career is completely safe. However, the good news is, there is at least one industry that is actually growing vibrantly thanks to the "housing bubble." The Apartment Rental Industry the result of foreclosure and the credit crunch is shifting thousands upon thousands of families into rental housing.

While some Apartment Companies are downsizing to emulate the economic conditions many are actually thriving in this challenging economy. More good news is that a college degree is usually not required for employment for most positions, but the pay will generally be as high if not higher than most entry level degreed careers 1st year. Also, there are various positions available that would have crossover skills from many different careers.

The various positions include; apartment community managers, assistant managers, apartment leasing consultants, auditors, accountants, recruiters, assistants, property maintenance, housekeeping, etc. The position of "Apartment Leasing Consultant" is probably the most abundant and you will generally get a salary along with commissions for every apartment you lease. Hardworking, honest go-getters can earn near $50K annually leasing apartments in vibrant markets!

Whether you are looking for a change of scenery or want to stay put, locations all over the U.S. offer careers waiting for talented hungry career oriented individuals. Of course there will most likely be more opportunities in the worst hit housing markets like areas of California including; San Francisco, & Sacramento, and in many parts of Florida including; Miami, Ft. Lauderdale, Daytona Beach. While these areas have historically had higher living costs, they are now very attractive for the vibrant person looking for a fun filled life of beaches & sunshine. Some other large cities hardest hit across America as well are, Cleveland, Reno, and Detroit.

There are a few Apartment rental locations that historically offer the lowest rents in the nation, and should definitely be considered in these low budget times as well. For a huge city, Houston texas arguably has the lowest rents and overall costs of living in the nation compared to its peers. To state the obvious, the larger the cities will have more job opportunities in most cases.

It's also important to note that Houston texas has no zoning ordinances meaning that builders can build apartments anywhere in the city and most anytime they want creating a thousands of rentals and apartment job opportunities. Last count there were well over 400,000 apartment units in the greater Houston area. Houston has revitalized its downtown area and now features a light rail system in the epicenter of thousands of employers near many Houston Apartment communities with an abundance of fine dining establishments and top rated night life.

Other large cities with ample job opportunity and lower rents that need consideration are Oklahoma City, Birmingham Alabama, Memphis Tennessee, Cincinnati Ohio, and San Antonio texas.

Whether it's Houston, New York City, California, or Florida, apartment jobs are abundant during this economic downturn and the right companies can offer stable employment and high salaries for those who demonstrate the talents necessary to help the industry continue grow and prosper.

Memphis/Munford Skateboarding

2009 Skatepark Munford edit. Cale Duffy, ST Davis Jason Perry song: please don't shoot me down artist: lil wayne find it here:www.amazon.com/Tha-Carter-III-Lil-Wayne/dp/B0013ABI48



http://www.youtube.com/watch?v=ApeFEtF9eJw&hl=en

Cop Stops Son From Driving Dying Mom To Hospital Only Blocks Away Because Of Expired Tags

A Shelby County sheriff's deputy was given a one-day suspension today for using poor judgment when he delayed a man for expired tags while taking his mother to the hospital. Deputy Micah McNinch, who has been with the department since 2006, "made a mistake in judgment" during the March 12 stop of Wayne Ables at Wolfchase Galleria, Sheriff Mark Luttrell said. Ables was trying to get his 83-year-old mother, Vernice Ables, to St. Francis Hospital-Bartlett when he was stopped in the early morning hours. Vernice Ables was gasping for air in the back seat of her son's car because of a lung condition when the deputy stopped them for the expired tags. The hospital was less than a mile away, and Wayne Ables could see the top of the medical building from where he was stopped. Instead of providing an escort for Ables or following him to the hospital and dealing with the ticket there, McNinch asked for Ables' license and proof of insurance. He called for an ambulance at the scene. The sheriff said in the videotape, the Ables family asks for an ambulance, and McNinch asks them if they want him to call an ambulance.



http://www.youtube.com/watch?v=NEgKNBZsQgc&hl=en

NBA Reminds Teams Not To Stop Players From Playing In International Competitions

The NBA reminded the teams that they should not stop their players from playing in international competitions. This reminder came shortly after Manu Ginobili said that the Spurs were doing just that.

The NBA had sent out a memo on May 2, 2007 to all the clubs that said as per the agreement the NBA had with FIBA, NBA teams had to allow their players to play in major national team competition provided sufficient insurance was obtained.

These major national team competitions include Olympics, world championships, continental championships and other qualifying tournaments.

Earlier Ginobili had said the he would not be playing for Argentina in the regional Olympic qualifying game in Las Vegas because the Spurs had requested him to skip the game and coach Gregg Popovich had given reasonable arguments to that effect. Argentina is the defending Olympic champion.

Popovich knows that ultimately it is player who has to make the decision about not playing in national team competitions and games. Popovich agrees that he and the team had advised him not to play the qualifier because they had a huge investment in him.

Walter Herrmann from Argentina will also not be playing in the FIBA Americas tournament. Herrmann said that it was requested by the Charlotte Bobcats as he got injured in September 2006 after playing in the world championships.

USA Basketball managing director Jerry Colangelo said that the players would feel a lot more comfortable about playing for their national teams if they had the support of their NBA clubs.

At the moment, Colangelo is waiting for Memphis forward Mike Miller to accept his invitation to play but Miller is taking time to respond as he wants to be sure that everyone one in his team is supportive of his decision.

NBA teams are not allowed to ban players from playing in international competitions and the league does not want the teams from stopping the players if they want to play.

Daihatsu Cuore, Many Features Packed In One Small Vehicle

Since the year 1980, the world has already been introduced to the Daihatsu Cuore. This vehicle has constantly been in production since that year and until present, manufacture and production for this vehicle has still not halted. It runs under the Daihatsu brand and is classified and categorized as a hatchback. In Japan, which is the home country of the Daihatsu Cuore, this vehicle is known and marketed as the Daihatsu Mira. However, in other places around the world, this same vehicle is also known as Daihatsu Domino or the Daihatsu Charade.

The Daihatsu Cuore has been made available in two body style options which are both hatchbacks however the difference lies in the number of doors that it has. One holds three doors while another holds five. This vehicle from the 1980s actually replaced the Daihatsu Fellow when the latter's production was halted. The Daihatsu Cuore shares most of its components with other Daihatsu vehicles like the Daihatsu Leeza, the Daihatsu Move, the Daihatsu YRV, the Daihatsu Copen, the Daihatsu Terios, and the Daihatsu Opti. This vehicle's competition include the Suzuki Altoworks, the Mitsubishi Dangun ZZ, the Subaru Vivio, and the Suzuki Cervo.

The company markets the Daihatsu Cuore as a new variety and entry to the mini car segment and it claims that this vehicle would serve as an avenue for channeling changes to this category. The present version of the Daihatsu Cuore is more elegant and has a style that appeals greatly to the younger buyers. It has also been made available with a range of bright and vivid body color choices which comprise of Black Mica, Blue Mica Metallic, Champagne Metallic Opal, Lavender Metallic Opal, Red, Rose Metallic Opal, Silver Metallic, and White.

Despite the fact that the Daihatsu Cuore is a small car, one who would take a further look at the vehicle would know that this vehicle has a whole lot things to offer. In fact, in its segment, it is considered as the most spacious. It also comes with safety and comfort features that are of high quality. Daihatsu claims that the Daihatsu Cuore holds a very fine design compared to the rest of the vehicles in its class. As a petrol car, this vehicle delivers and performs with a fuel economy that is considered as the best in this category.

Memphis racetrack approach access chase raceing

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http://www.youtube.com/watch?v=Ge__gtrw2pc&hl=en

Travel Tips For the Business Traveler

Most business travelers already know the basics. You pack fairly light so you only have carry-on baggage. Not only does this save time, it can save dollars as well since most airlines are charging for luggage now. Another given is to eliminate airport lay-overs where possible. This eliminates much of the possibility of being stranded or missing a connection. If you do need to connect a flight, most business people schedule the departing flight as closely as possible to arrival in order to save time. Lastly, you can participate in the new 'frequent travelers' pre-cleared security program and avoid long security lines. Unfortunately, the world of travel today means you must make additional decisions beyond these basics.

With the airlines reduced scheduling making connections and layovers more necessary now, it means you may not want or be able to try to schedule that 1 hour layover any more. Especially if you are traveling in the winter from any Eastern airport or overseas where a missed connection may mean you cannot travel for a couple more days. So what is a good strategy for travel today?

Firstly, join an airline club or lounge program where it includes free WI-FI access. This enables you to safely build in time in your itinerary so you can relax and still work if you have a 3 hour layover. The added benefit is if your inbound flight is late, you still have a 2 hour cushion to catch your connecting flight. Again, booking non-stop is preferable but sometimes meetings require a quick stop somewhere and a non-stop flight is not possible. The double advantage of the reserved lounge is that you can spread out your work and conduct business from your laptop and cell phone.

Never use the airlines baggage system. Just one time that they lose (even temporarily) your bags and your trip is ruined. And if you have to run from one concourse to another, there is nothing worse that waiting for your checked bag to appear. But, if you MUST check a bag, use the curbside check in wherever possible. This will speed you through check in and allow you to go straight to security. Ideally, you have an e-ticket and will check in at the gate, so carry ons are preferable to checked bags here too.

If you have to go through security, plan ahead. Put your phone, change, comb and any small items in your carry on. Don't waste time scooping up 38 cents in change plus paper clips, keys, notes, candy, medicines etc from the conveyor belt. Wear pants that don't fall to your feet when you have to take your belt off and wear slip on shoes instead of laced ones.

Make sure you mobile phone and laptop are fully charged. If you have a layover, use this time to re-charge them while you eat. These simple tips followed each time you travel will result in HOURS or saved time for you and as a businessperson, you know time is money!

Home Insurance Memphis - Call 760 303 8527

ThatMuchBetter.com - Home insurance for homeowners in Memphis. Friendly, knowledgable agents consult with you for the best insurance plan for you. Call 760 303 8527 for details.



http://www.youtube.com/watch?v=MWWpRkPjYkc&hl=en

Long Term Care Awareness Month 2010 - Women Need LTC

Long term care insurance news segment by Ron Goldner, Memphis, discusses importance of planning for long-term car4e insurance. Offers American Association for long-Term Care Insurance's Guide for Women.



http://www.youtube.com/watch?v=hvC0x2x97Dk&hl=en

Tax Deductions (Business Tax Deduction Tips)

Real estate depreciation offers substantial opportunity for increasing tax deductions. Most depreciation schedules are established by simply separating land and long-life improvements. This simple approach is lawful but sharply understates lawful depreciation. About 20-40% of improvements for most properties are short-life items. Short life items can be depreciated over 5, 7, or 15 years. There are about 130 short-life items that have been determined by legislation, tax court decisions and IRS rulings.

Real estate depreciation can typically be increased by 50-100% for the first 5-7 years of ownership by obtaining a cost segregation study. A cost segregation study precisely values up to 130 components of real estate that can be valued as short-life property.

By obtaining a cost segregation study, it is possible to obtain a windfall of tax deductions by "catching-up" previously under-reported depreciation. This one-time "catch-up" can occur in the first tax return filed after the cost segregation study is performed without filing any amended tax returns.

Reviewing fixed asset listings (of business personal property) can generate a meaningful amount of tax deductions. They often include items that should have been expensed, which have been sold or thrown away or which have an excessive depreciation life. Items that should have been expensed include operating expenses (sometimes included by error) and maintenance or repairs (which was necessary but did not increase the life of the assets or component.) Section 179 allows business to use up to $108,000 of 2006 capital expenditures as tax deductions. Confirm you are not capitalizing assets that could be claimed as a tax deduction.

Casualty losses also offer opportunity for tax deductions. For a casualty loss, you can deduct: 1) the market value immediately before the casualty less 2) the market value immediately after the casualty less the amount covered by insurance. The portion that is not intuitive is: the market value after the casualty is much less than the value before plus the cost to renovate. Other factors which can and should be considered for tax deductions are: lost rent/usage, stigma (in some cases), construction management, construction risks, and entrepreneurial effort.

Bad debts are a subjective matter. Judgment is required to accurately estimate the amount that should be claimed as a tax deduction. If bad debts have not been examined carefully for several years, they may offer a meaningful tax deduction opportunity. (This applies to companies who utilize accrual accounting. Companies who use cash accounting can't claim a tax deduction for bad debt since they never recognized the revenue.)

Do well by doing good. You reduce taxes in several ways when making charitable contributions. For example, you purchased land 10 years ago for $200,000, and it is now worth $1,000,000. However, you now realize you will never use the land for the intended purpose. You can donate the land to a qualified charitable organization and take a tax deduction for $1,000,000. However, you do not have to pay capital gains taxes on the appreciation.

Tax deductions sometimes seem arcane and complicated. However, a knowledgeable team of advisors from several fields can reduce your federal income taxes. The complexity of the tax code makes it difficult for any one personal to be knowledgeable in all areas.

Cost segregation produces tax deductions and reduces federal income taxes across the country and in every size market. Below are just a few examples of cities where cost segregation generates meaningful tax deductions.

City:

New York, NY Houston, TX Hartford, CT Las Vegas, NV Memphis, TN Philadelphia, PA Orlando, FL Phoenix, AZ Atlanta, GA Bridgeport, CT Worcester, MA Akron, OH Harrisburg, PA Salt Lake City, UT St. Louis, MO Portland, OR Scranton, PA Greenville, SC Bakersfield, CA Madison, WI Chicago, IL Fresno, CA Riverside, CA Albany, NY Indianapolis, IN Birmingham, AL Ft. Lauderdale, FL Baton Rouge, LA Augusta, GA Honolulu, HI Cost segregation produces tax deductions for virtually all property types, including the following:

Property Type:

Medical facility Shopping mall Restaurant Country club Fast food restaurant Power center Hotel Car wash facility Convenience store Health spa Almost every industry, including the following, can generate cost-efficient tax deductions by using cost segregation.

Industry:

Golf courses and country clubs Transportation equipment manufacturing Electrical component manufacturing Real estate lesser Apparel manufacturing Wood product manufacturing Plastic and rubber products manufacturing Furniture stores Beverage and tobacco product manufacturing Building supply dealers

Tax reduction services include federal income taxes, state income taxes and property taxes. We do not prepare income tax returns. Instead, our advisors review your circumstances and suggest cost effective options to lawfully reduce your income tax liability. 5. O'Connor & Associates is a national provider of commercial real estate consulting services including cost segregation studies, tax reduction, feasibility studies, tax return review, apartment inspections . O'connor associates services includes business valuation tax deduction, due diligence, income tax, tax reduction, property tax, feasibility studies, real estate consulting, market research, Denton Central Appraisal District, Tips and Tricks for Appealing Your Property Taxes in Collin, Collin county appraisal, Federal tax reduction

video, Florida Offers Amnesty For One Day For Exotic Pet Owners, prince mongo's brother

video, Florida MIAMI, FL -- Many Florida residents have amazing and strange pets, but when the animal becomes too much trouble, some take the easy way out. Ditching the pets can be devastating to both the animals, and to the ecosystem. "You're introducing a non-native animal, that will compete with native animals, and in many cases out-compete native animals, and create issues with the environment," warned the Miami Metrozoo's Ron Magill. Fortunately, there's a solution. The fifth annual Nonnative Pet Amnesty day, hosted by Florida Fish and Wildlife, and the Miami Metrozoo takes place this weekend. "We will gladly accept your nonnative or exotic pets, no questions asked, free of charge," explained the Florida Fish and Wildlife Commission's Gabriella Ferraro. The event has become more popular over the years and you wouldn't believe some of the pets that get dropped off. Serval cats, cougars, venomous snakes, scorpions and primates have all been turned in. The problem with owning an exotic pet is usually that the idea is better than the actual ownership. The economy hasn't helped exotic pet owners either. The veterinary costs alone can run into the thousands of dollars, so many people are realizing they can't afford it anymore. The event is about more than stopping by and dropping off your animals. There will some other animal services offered as well. "Well, we will microchip your snakes for $32.00, and that's something you now have to do, you have to have your snakes ...



http://www.youtube.com/watch?v=ib5RnmkR8uc&hl=en

If You Want to Invest in Real Estate - Find Your Local Real Estate Investment Association!

Enter the phrase "real estate investing association" followed by any city into your favorite online search engine and you are bound to get a flood of returns. You will find associations that meet in person, some that meet online, others that are simply designed to deliver information and opportunities for investors. No matter what the alternatives are in your area, if you are going to invest in real estate, this is a first step you must take.

DIFFERENT TYPES OF REAL ESTATE INVESTORS ASSOCIATION?

Most real estate associations are organized and operated by local real estate investors. Some are set up as for-profit entities and others are set up as nonprofits. The biggest difference between the set ups is the quality of the content and the dedication of the operators. In a for-profit situation, the operators of the association are using the club as an opportunity to connect with local, experienced investors and first timers who are interested in getting started. The content is usually very good, but will often times be reserved only for those who are paying customers. Their topics tend to be universal in nature and not just reserved for a particular area. They also attract big name speakers and their talks can come with either additional costs or product pitches to help pay for the expense of bringing in high profile speakers. Many of these types of clubs have multiple meeting times and multiple functions each month designed to help every level of investor.

Nonprofits tend to be only slightly less organized, but they do have very good material. Usually the material is presented by local investors and not top-notch national speakers as they tend to be too expensive. Another bonus for nonprofit associations is that they tend to have presenters who are actively investing in a community or local leaders such as banks, insurance agents and even real estate agents who are able to present on more localized topics.

A new phenomenon is the online association that is still designed for a particular area. The nice thing about a group like this is that even in your own home, you are able to join in on discussions, participate in online presentations and interact with other investors in your community. These types of groups tend to be very free-flowing with a lot of local topics and discussion from multiple sources. A downfall of online groups is the lack of a moderator to screen discussion and as a participant you must be aware that not all advice comes from experienced, active investors.

WHY JOIN A LOCAL REAL ESTATE INVESTORS ASSOCIATION?

The benefits for an investor when they join a local real estate investors association are many, but can definitely vary from one organization to another. The biggest benefit with any such organization is the opportunity to surround yourself with like minded individuals who can assist you with your success. Even if you are only able to make one good contact that you would not have had otherwise, the return on your investment in time and money can be enormous.

Most beginner investment books discuss the concept of team building and developing a group of individuals that handle all of your essential services. Local real estate investors associations is the location where you can find all of the resources and team members you could possibly need and as you get to know these possible team members through the meetings, you can decide which will fit best on your team. This allows you to interview and interact with all the essential team members before you do any deals.

The second biggest benefit after surrounding yourself with like minded individuals and possible team members is the access you gain to knowledge and experience. For investment associations that meet live, the atmosphere that is created in a live setting cannot be denied. The opportunity to hear from other investors and the mistakes that they have made in the past as well as the successes that they have had is invaluable. I have belonged to five different real estate investors associations in the past and have not only met great individuals, but have been greatly inspired and motivated by the stories and opportunities they presented.

Finally, the training you can receive at a local real estate investors association is very important. Most organizations have designated classes or presentations geared toward new investors that are meant as pure education platforms. No selling is involved in these types of classes. Most have question and answer sessions for you to get advice and to hear the questions of other investors.

Regardless of the type of organization you can join, it is vital to the success of most beginner investors that they join an organization and begin to network with other investors. It speeds the learning curve and can greatly reduce the number of mistakes a new investor may make.

RESOURCES FOR REAL ESTATE INVESTOR ASSOCIATIONS

As I mentioned early in the article, you can use your preferred search engine to search for "real estate investor associations" and you are going to get hundreds of returns from online organizations which are great resources of information. But if you want to really expand and network, you are going to have to search locally and add the name of you the nearest city to your search. Memphis as an example has two organizations that meet in person and each are nonprofits. One hosts a monthly night meeting and the other hosts a monthly lunch meeting. There is also an online association in Memphis that ties investors from all over back to their investments in Memphis. So an investor looking for an association to join in Memphis will find at least three good alternatives. Most likely, that will be the case in any major metropolitan area.

Once you decide to get started in real estate investing, search for and find the groups. From there, it is up to you to take the next step and join!

Memphis Auto Insurance Quote 1of2

www.MemphisInsuranceQuotes.net allows users to get multiple memphis auto insurance quotes with one form. We force memphis auto insurance agents to compete for your business. This video shows you how to get the best rate on your memphis auto insurance.



http://www.youtube.com/watch?v=uzNzBQM1FUo&hl=en

Get Cheap Car Insurance in Memphis, Tennessee

Memphis, Tennessee is famous for being home to Graceland, the house Elvis Presley lived in. Not only did Elvis love the grandeur of his ample estate he, like many residents of this state, loved nice cars. Although most people who reside in Memphis don't have unlimited financial resources like Elvis, they do need car insurance. Finding car insurances">cheap car insurance in Memphis, Tennessee just takes some research and a little insight into what insurance companies are looking for.

Car theft is a problem that plagues every major city in the country and Memphis, Tennessee is no different. On average, close to 8,000 vehicles each year are stolen. Some cars and trucks are simply more appealing to thieves and if you happen to drive one, you can expect that fact to be reflected in your car insurance rates. A good rule of thumb for everyone to follow is to inquire about probable insurance rates before buying a new vehicle. If you find out that the monthly premiums are as much as your car loan payments would be, you may want to rethink the type of vehicle you'll be driving in the future.

Having more than one car on a policy can yield a cheaper insurance rate as well. If you and your roommate or partner each has a car and you are using different insurers, ask each of the companies for a quote to insure both vehicles. You'll likely be pleasantly surprised by the cheaper car insurance rates and you can split the savings between the two of you. This also works well for adult children who are still living at home with their parents, and even young adults who are old enough to drive and living with a grandparent or aunt or uncle. Each insurance company differs regarding this type of combined policy but it's certainly worth the trouble to inquire about it.

Understanding Car Insurance Policies

Looking for car insurance may be quite tricky if it is your first time. You will be presented with a lot plans or options that might leave you overwhelmed. It is important to keep the payments at a minimum cost but you must also ensure that you and your car are adequately protected. Below are steps to get affordable but dependable car insurance with a discount.

Bodily Injury Liability Insurance covers any instance when you are at fault in the accident and that you hurt somebody in the process. The insurance will help you cover the medical bills of the patient because you are accounted for it.

If you have driven your car in a bus stop, mail box, streetlight or another car, the liability for property damage will be able to help you pay the damages.

Always keep your car covered. Uninsured driver or motorist coverage pays for the injuries received during accidents with those who do not have liability insurance.

Ensure that the damage on your car is completely covered if the other person does not have the enough insurance coverage. The uninsured driver or motorist coverage will be ale to take care of the damages to your vehicle if the other person's insurance coverage is worn out.

Think of replacing or fixing your vehicle subsequent to an accident for the numbers quickly add up. The collision insurance will shoulder accident-related replacement and repairs. To keep the premium down, get the biggest possible deductible that you can afford.

Car theft often happens nowadays and you could fall a victim anytime. The "comprehensive insurance" covers vandalism, flood, fire and hail damage along with theft.

It is important to consider your personal health insurance prior to taking the medical payments insurance of the car insurer. This type of car insurance will cover the medical bills if a family-member or you are passengers and are hurt during the accident. In addition, your personal health insurance also holds the same coverage. Persons who do not have health insurances and not family members are not covered. It is best to consult your agent about this matter.

Collect the medical payments directly from your insurance company even if the accident was not your fault. PIP or Personal Injury Protection and the no-fault insurance are available in most states in the USA. This takes care of the funeral costs, lost wages and other expenses.

Do not bother with the towing and rental insurance. The yearly payment for this insurance does not cost much but is better to just save the money. A lot of car clubs offer these kinds of services along with additional benefits.

Warnings and Tips when Buying Car Insurance

Underinsured and uninsured driver or motorist insurance is compulsory is most US states. It is recommended that you should buy more in US states that offer high premiums for most people are willing to go with no insurance coverage if they cannot afford it.

Collision and comprehensive insurance are needed if you have a car lease or car loan. If the car you are using is quite old and has already depreciated in value, you can consider dropping the coverage.

If you were to kill or hurt another driver and the liability insurance for bodily injury was not enough to help with the costs, you can be financially broke. So, if you feel you need the insurance, take this coverage.

Elvis Sings About Life Insurance

Kathy Thurmonds-Edwards, State Farm Agent



http://www.youtube.com/watch?v=AsZvQErWKxc&hl=en