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Myths about Auto Insurance
Monday, January 8, 2007
With over 160 million registered vehicles on the road today, auto insurance is the most widely purchased of all insurance policies. Over the years I have found that many "Myths" have developed! These "Myths" are also the most frequently asked questions. The following examples apply in Canada.
Myth:

"If my car is broken into - the contents are covered"

Fact :
Wrong!
Most people believe everything in the car is covered through automobile insurance. Comprehensive coverage on automobile policies is one of the most frequently carried optional coverage's, but it is limited and coverage only applies to such items specific to that vehicle such as the radio, stereo, CD, cassette player and one tape/CD. Items commonly stolen and not covered include briefcases, purses, coats, sunglasses, presents, laptop computers, tools, cell phones, sports equipment (e.g. golf clubs or skates)How do I get coverage for these?
Home, tenant, condo, business insurance can provide theft coverage but this may be very limited also and if not insured through the same insurance company, a separate deductible will apply! Call your agent and know what is covered under your policies BEFORE not AFTER it happens to you.

Myth:


"If I beat the ticket in court, I'm not at fault for the accident"

Fact:
Wrong!
Residents of Ontario, Canada, are governed by a "no fault auto system" in which the name itself leads to confusion. Regardless of whether a ticket/charge applies (or does not), the insurance company still must determine the degree of fault for any and all vehicles. For more information, read the article on this. You'll enjoy it and it goes into much greater detail.

Myth:

"I cannot lend my car to anyone under 25 years old".

Fact :

Wrong!
Any person who has a valid drivers license in Ontario Canada is covered as long as they meet the conditions of their license. I won't get into G1, G2 restrictions here just to keep it simple. Be aware however, that lending your car to a licensed driver may cost you money, if that person does not carry their own car insurance or has an "at fault" accident in your car.

Myth:

"It was an Act of God or due to the weather loss".

Fact :

Wrong!
No fault Insurance governs Ontario Canada residents and for coverage to apply, the insurance company must determine the degree of fault. In simple terms, determination decides if it is a liability claim, accident benefit claim or whether it falls under optional coverage (if purchased) claim sections such as collision, comprehensive, underinsured motorist coverage, rental car coverage, waiver of depreciation, etc. This determines whether you are covered. Is a deductible applicable? Just to mention a few.

Myth:

"Auto insurance rates keep going up....it's a fact of life"

Fact :

Wrong!
Auto insurance rates vary from company to company by maybe as much as even hundreds of dollars per year! All insurance rates ARE NOT the same. Each company bases it's rates on it's own experience & losses, marketing strategies, discounts available, etc. With many insurance companies available through an independent broker, you have an opportunity to save money! But, there's more to it than getting a cheap rate. Look for...value for your money. That's what really counts. How will a claim be handled? Is the company financially secure? How is the insurance company rated among it's competitors? Can you deal with the same person all the time? Do they explain, define and answer your questions? Do they keep in touch or do they just mail you a renewal out year after year? Is the broker innovative (the insurance industry is changing rapidly). Is your broker available 24 hours a day through the Internet? These are just to name a few! Value.....is important.

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posted by PBS Atmodjo @ 12:39 PM   3 comments
Enjoy Bali's Gorgeous Nature Through Mountain Biking
Friday, January 5, 2007
Source : www.budgetbali.com

Take in the glorious mountain scenery of Bali. Stop at the hill to discover the amazing landscape of Mount Agung (the highest mountain in Bali), Nusa Penida island and the surrounding countryside of Candi Dasa. Ask your tour operator about using Bali's new mountain bikes and safety equipment with cold towels and lunch included.Starting high in the mountains at the village of Mayungan, this 25 kilometre ride winds its way down along valleys, passing temples and shrines and criss-crossing golden rice fields through landscape unchanged for a thousand years. You can see Balinese culture and customs while you pass through the timeless countryside, arriving finally at the famous Monkey Forest Temple at Sangeh.
BaturA two and a half hour downhill adventure on the Batur trail. Beginning with breakfast near the scenic lake of this still active volcano, venture off the main routes through little-used paths and sacred back roads leading through the rainforest. Along the way, stop off at small mountain villages to take a look at traditional Bali life before finishing with lunch in the picturesque of Ubud.
Batu KaruSee the splendor of ancient Bali with a two hour descent of the Batu Karu Trail. A leisurely trip through the rural heartland of Bali is the ideal way to see this tropical island as it really is. Visiting these ancient villages and farming centers provides a unique insight into the ways of old Bali, where knowledge is passed from generation to generation and still in use today. After the trip, enjoy lunch and a complimentary massage or spa at Yeh Panes.
Campuan RidgeThis is not just an opportunity to travel down beautiful mountain trails, it is an encounter with a Bali that most travelers never see. The route is through villages that have only recently acquired electricity and where steel and concrete are still rare.
Tradition abounds in the elegantly carved temples and the rustic family compounds that glide by. There are also countless opportunities to meet the locals, to stop for a while and enjoy a refreshing drink of young coconut water while chatting with farmers or wood carvers.

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posted by PBS Atmodjo @ 9:26 PM   0 comments
Understanding And Dealing With Grief And The Loss Of Life
Tuesday, January 2, 2007

In our hearts, we all know that death is a part of life. In fact, death gives meaning to our existence because it reminds all of us that life is precious.

The loss of a life is life’s most stressful event and can cause a major emotional crisis. After the death of someone you love, you experience bereavement, which literally means "to be deprived by death."
When a death takes place, you may experience a wide range of emotions, even when the death is expected. Many people report feeling an initial stage of numbness after first learning of a death, but there is no real order to the grieving process.

Symptoms Of Grief and Loss
Denial
Yearning
Disbelief
Anger
Confusion
Humiliation
Shock
Despair
Sadness
Guilt

These feelings are normal and are common reactions to loss. You may not be prepared for the intensity and duration of your emotions or how swiftly your moods may change. You may even begin to doubt the stability of your mental health. It is important to be reassured that these feelings are healthy and appropriate. These feelings and expressions of powerful emotions help you come to terms with your loss.

Remember, it takes time to fully absorb the impact of a major loss. You never stop missing a friend or loved one, but the pain eases after time and this allows you to go on with your life.

Mourning A Loved One

It is not easy to cope after a loved one dies. You will mourn and grieve. Mourning is the natural process you go through to accept a major loss. Mourning may include religious traditions honoring the dead or gathering with friends and family to share your loss. Mourning is personal and may last months or years. Grieving is the outward expression of your loss. Grief is likely to be expressed both physically and psychologically. For instance, crying is a physical expression, while depression is a psychological expression.

It is very important to allow yourself to express your feelings. Often, death is a subject that is avoided, ignored or denied. At first it may seem helpful to separate yourself from the pain or ignore your feelings, but you cannot avoid grieving forever. Someday those buried feelings will need to be resolved or they may cause physical or emotional illness.
Many people report physical symptoms that accompany grief. Stomach pain, loss of appetite, intestinal upsets, sleep disturbances and loss of energy are all common symptoms of acute grief. Of all life’s stresses, mourning can seriously test your natural defense systems. Existing illnesses may worsen or new conditions may develop.
Profound emotional reactions may occur. These reactions include anxiety attacks, chronic fatigue, depression and thoughts of suicide. An obsession with the deceased is also a common reaction to death.

Dealing With A Major Loss

The death of a loved one or close friend is always difficult. Your reactions are influenced by the circumstances of a death, particularly when it is sudden or accidental. Your reactions also are influenced by your relationship with the person who died.
A child’s death creates an overwhelming sense of injustice for lost potential, unfulfilled dreams and senseless suffering. Parents may feel responsible for the child’s death, no matter how irrational that may seem. Parents may also feel that they have lost a vital part of their own identity. Their reason for living may seem shattered.
A spouse’s death is very traumatic. In addition to the severe emotional shock, the death may cause a potential financial crisis if the spouse was the family’s main income source. The death may necessitate major social adjustments requiring the surviving spouse to parent alone, adjust to single life and maybe even return to work.
Elderly people may be especially vulnerable when they lose a spouse because it means losing a lifetime of shared experiences. At this time, feelings of loneliness may be compounded by the death of close friends.
A loss due to suicide or tragedy can be one of the most difficult losses to bear. It may leave the survivors with a tremendous burden of guilt, anger and shame. They may even feel responsible for the death. Often, survivors benefit from professional advice to cope with this devastating experience. Seeking counseling as a family unit during the first weeks after the a death is particularly beneficial and advisable.

Living With Grief

Coping with death is vital to your mental health. It is only natural to experience grief when a loved one dies. The best thing you can do is allow yourself to grieve. There are many ways to cope effectively with your pain.
Seek out caring people. Find relatives and friends who can understand your feelings of loss. Join support groups with others who are experiencing similar losses.
Express your feelings. Tell others how you are feeling; it will help you to work through the grieving process.
Take care of your health. Maintain regular contact with your family physician and be sure to eat well and get plenty of rest. You should not sleep more than 10 hours a day without your doctors approval. Be aware of the danger of developing a dependence on medication or alcohol to deal with your grief.
Accept that life is for the living. It takes effort to begin to live again in the present and not dwell on the past.
Postpone major life changes. Try to hold off on making any major changes, such as moving, remarrying, changing jobs or having another child. You should give yourself time to adjust to your loss.
Be patient. It can take months or even years to absorb a major loss and accept your changed life.
Seek outside help when necessary. If your grief seems like it is too much to bear, seek professional assistance to help come to terms with your loss and work through your grief. It’s a sign of strength, not weakness, to seek help.

Helping Others Grieve

If someone you care about has lost a loved one, you can help them through the grieving process.
Share the sorrow. Allow them, even encourage, them to talk about their feelings of loss and share memories of the deceased. Listen. Don't pressure.
Don’t offer false comfort. It doesn’t help the grieving person when you say "it was for the best" or "you’ll get over it in time." Instead, offer a simple expression of sorrow and take time to listen.
Offer practical help. Baby-sitting, cooking and running errands are all ways to help someone who is in the midst of grieving. Just having someone around who is generous but not intrusive can help.
Be patient. Remember that it can take a long time to recover from a major loss. Make yourself available to talk.
Encourage professional help when necessary. Don’t hesitate to recommend professional help when you feel someone is experiencing too much pain to cope alone. You might makea list of professionals who specialize in grief, trauma or major life transitions.

Helping Children Grieve

Children who experience a major loss may grieve differently than adults. A parent’s death can be particularly difficult for small children, affecting their sense of security or survival. Often, they are confused about the changes they see taking place around them, particularly if well-meaning adults try to protect them from the truth or from their surviving parent’s display of grief.
Limited understanding and an inability to express feelings puts very young children at a special disadvantage. Young children may revert to earlier behaviors (such as bed-wetting), ask questions about the deceased that seem insensitive, invent games about dying or pretend that the death never happened. Coping with a child’s grief puts added strain on a bereaved parent. However, angry outbursts or criticism by a parent will only deepen a child’s anxiety and delay recovery. Instead, talk honestly with children and in terms they can understand. Take extra time to talk with them about death and the person who has died. Help them to discuss and talk about their feelings and remember that they are looking to adults for healthy behavior.

Looking To The Future

Remember, with support, patience and effort, you will survive grief. Some day the pain will lessen, leaving you with cherished memories of your loved one.

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posted by PBS Atmodjo @ 9:59 PM   0 comments
Beginning Today

By: Author Unknown


Beginning today I will no longer worry about yesterday.It is in the past and the past will never change.Only I can change by choosing to do so.
Beginning today I will no longer worry about tomorrow.Tomorrow will always be there, waiting for me to make the most of it.But I cannot make the most of tomorrow without firstmaking the most of today.
Beginning today I will look in the mirror and I will see a person worthy of my respect and admiration.This capable person looking back at me is someone I enjoy spending timewith and someone I would like to get to know better.
Beginning today I will cherish each moment of my life.I value this gift bestowed upon me in this world and I will unselfishlyshare this gift with others.I will use this gift to enhance the lives of others.
Beginning today I will take a moment to step off the beaten path and torevel in the mysteries I encounter.I will face challenges with courage and determination.I will overcome what barriers there may be which hinder my quest for growth and self-improvement.
Beginning today I will take life one day at a time, one step at a time.Discouragement will not be allowed to taint my positive self-image,my desire to succeed or my capacity to love.
Beginning today I walk with renewed faith in human kindness.Regardless of what has gone before, I believe there is hopefor a brighter and better future.
Beginning today I will open my mind and my heart.I will welcome new experiences. I will meet new people.I will not expect perfection from myself nor anyone else: perfection does not exist in an imperfect world.But I will applaud the attempt to overcome human foibles.
Beginning today I am responsible for my own happiness and I will do things that make me happy . . .admire the beautiful wonders of nature, listen to my favorite music,pet a kitten or a puppy, soak in a bubble bath . . .pleasure can be found in the most simple of gestures.
Beginning today I will learn something new; I will try something different; I will savor all the various flavors life has to offer.I will change what I can and the rest I will let go.I will strive to become the best me I can possibly be.
Beginning today. And every day.

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posted by PBS Atmodjo @ 5:19 AM   0 comments
How to Keep Your Cool When You Are Criticized
Monday, January 1, 2007
Source : www.ehow.com

No matter what you say, it is never easy to be criticized. Here are some helpful hints on how to take the heat.

Instructions :
1. Show the person doing the criticizing that you heard his or her criticism, by pausing, nodding or giving some sort of verbal acknowledgment.
2. Ask for more information about the criticizer's comments to give you both time to cool down. Try to look for the criticizer's positive intent.
3. Reply with your perspective. Remain calm, and the other person, if agitated, will eventually calm down, too; it will be embarrassing to lose his or her cool while you remain relaxed.
4. Listen for commonalities between your perspective and your critic's, and build from them.
5. Ask for comments on your viewpoint.
6. Try rephrasing your ideas.
7. Demonstrate your desire to find a compromise. Look for what the criticizer's real objection is and how you can solve it; ask if he or she has a solution in mind.
8. Remember that you can't always please everyone. Ask yourself whether there's truth in your critic's complaints, or whether this may be someone you just can't make happy.

Tips & Warnings
- If you believe you're being lied to, ask your critic some questions and attempt to discern what is true or false.
- Take the Meyers-Briggs personality test for free over the Internet. You might discover that what's going on is a personality clash rather than a conflict about you as such.
- If you can't keep your cool, ask for the meeting to be rescheduled so that you can listen without losing your temper.
- If you find yourself overreacting to the criticism, it's usually because you're afraid of losing something. What is it? Are your fears valid?
- If you encounter conflict frequently, you may be very stressed. Consider counseling, or try settling down with some aromatherapy or other stress-management devices.
- Avoid interrupting with defensive remarks. When people feel they aren't being heard, they will only come on stronger.
- Often, people criticize without referring to an underlying conflict. If you don't figure out what the real conflict is, you'll never resolve the problem.
- If you embarrass the critic, you may lose his or her attention.

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posted by PBS Atmodjo @ 12:14 AM   0 comments
Strategies for Managing Job Stress
Saturday, December 30, 2006

by Randall S. Hansen, Ph.D.


While many of the methods of preventing job stress need to be developed and supported by the organization, there are things that workers can do to help you better manage job stress.

Here are 10 tips for dealing with the stress from your job:
- Put it in perspective.

Jobs are disposable. Your friends, families, and health are not. If your employer expects too much of you, and it's starting to take its toll on you, start looking for a new job/new employer.
- Modify your job situation.

If you really like your employer, but the job has become too stressful (or too boring), ask about tailoring your job to your skills. And if you got promoted into a more stressful position that you just are not able to handle, ask about a lateral transfer -- or even a transfer back to your old job (if that's what you want).
- Get time away.

If you feel the stress building, take a break. Walk away from the situation, perhaps walking around the block, sitting on a park bench, taking in a little meditative time. Exercise does wonders for the psyche. But even just finding a quiet place and listening to your iPod can reduce stress.
- Fight through the clutter.

Taking the time to organization your desk or workspace can help ease the sense of losing control that comes from too much clutter. Keeping a to-do list -- and then crossing things off it -- also helps.
- Talk it out.

Sometimes the best stress-reducer is simply sharing your stress with someone close to you. The act of talking it out – and getting support and empathy from someone else -- is often an excellent way of blowing of steam and reducing stress. Have a support system of trusted people. - Cultivate allies at work.

Just knowing you have one or more co-workers who are willing to assist you in times of stress will reduce your stress level. Just remember to reciprocate and help them when they are in need.
- Find humor in the situation.

When you – or the people around you -- start taking things too seriously, find a way to break through with laughter. Share a joke or funny story.
- Have realistic expectations.

While Americans are working longer hours, we can still only fit so much work into one day. Having unrealistic expectations for what you can accomplish sets you up for failure -- and increased stress.
- Nobody is perfect.

If you are one of those types that obsess over every detail and micromanage to make sure "everything is perfect," you need to stop. Change your motto to performing your best, and leave perfection to the gods.
- Maintain a positive attitude (and avoid those without one).

Negativism sucks the energy and motivation out of any situation, so avoid it whenever possible. Instead, develop a positive attitude -- and learn to reward yourself for little accomplishments (even if no one else does).

Final Thoughts Okay, so it's a cliché, but your health is everything. You need to take care of yourself, and no job, customer, or boss is worth putting yourself at risk. Find a way out through one or more of our 10 strategies. Take control of your situation -- and fix it -- and you will have better mental and physical health, as well as better relationships with the people around you.

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posted by PBS Atmodjo @ 10:32 AM   0 comments
Viruses and Worms
Friday, December 29, 2006
Source : http//surfthenetsafely.com

It seems to be inherent in human nature that any activity involving large numbers of people will include some who behave in a harmful, anti-social way. Thus on the Internet there is a constant threat from malicious software or "malware." Two common types of malware are "viruses" and "worms."

What a virus is
A virus is a self-replicating program that spreads by inserting copies of itself into programs or documents that already exist on a computer. The name comes from an analogy with biological viruses. These cannot reproduce by themselves but make use of the functions of infected cells to spread. Similarly, a computer virus makes use of the executable code in legitimate programs to carry out its purposes. A virus may be designed to be destructive to a system or to be a prank. In either case, the virus will rapidly reproduce itself until the system may be overwhelmed. Viruses spread to other systems when infected programs are copied to another machine. Documents with executable code like Word macros can also be vectors of infection. A very common method of spreading viruses is by attachments to email . Today a variant of a virus known as a worm is more often used.

What a worm is
Viruses and worms are often lumped together in the single category of virus but there is technical distinction. A worm differs from a virus in that it contains all the code it needs to carry out its purposes and does not depend on using other programs. Most recent instances of malware have been worms, spread primarily by email. Worms are designed to replicate rapidly and to use the Internet or other networks to spread with great facility. They may contain code to damage or erase files or may carry other malicious payloads. On a number of occasions, large numbers of computer systems have been brought down by worms. In addition to the damage from whatever payload they carry, the sheer number of worm copies can bring systems to a halt.
A very common method of spreading is by use of any email addresses on an infected computer. The worm searches address books, temporary Internet caches and other possible sources of email addresses. The worm then mails out random infected fake messages. It may use the addresses it finds not only as recipients but also may spoof mail to show them as senders. It may also combine random pieces of addresses into new fake addresses. All the messages will contain an attachment that is infected. None of this activity may be known by the owner of the infected machine and may go on for weeks or months. A single infected machine can send out thousands of worm-carrying messages.

Anti-virus programs
Most people know that anti-virus software is a necessity and most computers come with some form of anti-virus program already installed. (Note that anti-virus is a catchall term that refers to a variety of malware.) All the major programs check email as well as scanning your system. However, new viruses appear every day and anti-virus programs are only as good as their database or definitions of viruses. A program can't recognize a new virus unless it has been kept up to date. Anti-virus programs contain update features and these are automatic in the newer major programs. However, the big vendors like Symantec and McAfee no longer give unlimited free updates but start to charge after some initial period ranging from 3 months to 1 year. Very often people do not subscribe to the new updates and let their protection lapse. This leaves the computer open to any new virus that comes along. Personally, I am not keen on having to pay $20 or more per year to Symantec either but all things considered it is a relatively small operating cost. (Actually, it may be better to periodically buy a whole new version of whatever anti-virus program you use. I have often found rebate offers that make the new program cheaper than the update subscription.) An alternative is one of the free programs like Grisoft AVG. In the past, Symantec's Norton has always seemed to get much better reviews for efficacy against infection than the freebies but a recent review by the magazine PC World indicates that there are several free programs that now provide acceptable levels of protection. PC World also has a download site. A description of using the program is here. Tech Suppor Alert gives a critique of the various free programs. One way or another, however, it is essential to use an updated anti-virus program.

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posted by PBS Atmodjo @ 1:59 AM   0 comments
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