Posts Tagged Life

Puppets — Adding Humor And Laughter To Your Life

Puppets — Adding Humor And Laughter To Your Life

Kids love to play with puppets as it allows them to set free their creative imagination. Puppets can bring great joy not only to kids, but also to adults, all over the world.

Puppets were first introduced to the world of entertainment thousands of years ago. It originated from Greece as the Greeks then were known to be fond of theatrical presentations. Though they enjoyed theater, they found supporting the actors financially rather expensive, so that they turned to the use of puppets in plays. They soon discovered that puppets were just as able as actors to elicit positive response from the audience, so they continued to patronize the use of puppets in puppet shows and presentations, and soon stage puppet shows became many people’s favorite past time.

Today, puppets and puppet shows have come far from their humble beginnings and still continue to be popular. Many puppets are patterned after animals such as frogs, elephants and birds. Every puppet used on stage has a distinct characteristic and personality. The differing personality is expressed not only by the puppet’s design but also by its individual body movements as expressed by the puppeteer’s hand movement.

Puppet performing it is not as easy as you think. It requires thorough and consistent practice before you can become an expert. A puppeteer needs to study different techniques such as the basic positioning, diction, arm rods and body movements.

The most common type of hand puppets is the simple hand puppet and the larger hand puppet. Each of the puppets has their distinct usage in puppet shows.

The simple hand puppets have few or no moving parts at all. They are usually made up of flexible materials and have distinct facial features such as eyes and nose. The mouth is often included on the simple hand puppets but it is usually there just for design purposes. It does not even open or close unless a thumb enters a pocket allowing it to move.

Larger hand puppets are more complex. Other than obviously being bigger in size than the simple hand puppets, they have additional manipulatable parts such as the eyelids and hinged mouth and arms.

Aside from providing amusement and fun, puppets nowadays have taken a political turn and are also used in thinly veiled political caricatures and satire. These political puppets are often modeled on known political personalities and are often depicted in the characters’ usual political setting.

Whatever the size or the design, puppets and puppet shows today still provide wonderful entertainment to many people of all ages.

For more on Puppets visit Susan’s sites Puppet Show and Puppet Theater, and also at Shopping and Society.


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Whisky-water of Life

Whisky-water of Life

Introduction to whisky: The delicate blend of whisky gives it a perfect flavor to enjoy at its best. Whisky falls under the broad category of alcoholic beverages. Malting and mashing at the first stage make whisky and then the fermented mashes is distilled and are kept in wooden casks to engender its actual tang.

Whisky can be made from different types of grains that include malted rye, wheat, maize, barley and malted barley. Whisky is derived from the Gaelic word for water. In Ireland (1495) the first record of whisky was found. Which was believed to be distilled by the monks.

Whisky types: Whiskies are mainly produced in the grain growing areas of the world. Whiskies differ in alcoholic content and quality.

Scotch whisky: Scotch is a whisky that is generally distilled for 2-3 times and should be matured for at least 3 years in the oak cask. The age is decided between distillations and bottling.

From malt barley malt whisky is made and are disttled in an onion-shaped pot still.

Blended malt whisky or vatted whisky is amalgamated from different distilleries. Vatted malt is usually termed “pure malt” or simply “malt”.

Single malt whiskies are distilled once, unless it is termed “single cask”. It contains whisky from different casks so the blender can achieve a recognizable taste as typical of the distillery.

Amalgamation of Malt and grain whisky makes blended whisky, which are much cheaper than any other whisky.

Irish whisky: Irish whiskies are distilled three times and should be kept in casket for at least 3 years. The common types of whiskies in Ireland are single malt, single grain, pure pot still and blended whisky.

Japanese whisky: Japanese whiskies have also originated from the scotch tradition. These whiskies are made in scotch style but not produced in Scotland.

Canadian whisky: Canadian whiskies are generally multi-grained whiskies, which are much smoother and lighter than any other whisky style. These types of whiskies are termed as “rye whisky” in Canada.

American whisky: There are two different types American whisky. Mainly straight and blend. These whiskies are kept in the oak casks for at least 2 years. The most common types of American whiskies are bourbon, Rye and com. Bourbon has 51% of maize content. Rye has 51% rye content and com has 80%

Maize in it.

Indian whiskies: Indian whiskies are the only whisky that is distilled from fermented molasses. But other than Indian sub-continent it will be considered as rum. India has begun to distill whisky from malts and grains.

Services offered by whisky circle:We at www.whiskycircle.com offer you a arena of services in the cyber-space. This is a only website that offers you service of a virtual bar. Different blends of whiskies are discussed in our service called “your blends”.and above all we have a personalised whisky lounge for our exquisite members. So come and experience the difference only at www.whiskycircle.com.

Whisky was created by a small group of whisky afficinados. It started out as a ‘Whisky club’ where lovers of single malts got together and made small talk over a malt. For more further information about Scotch please www.whiskycircle.com.


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Reusable Bags – Bags For Life

Reusable Bags – Bags For Life

Many people think that getting a biodegradable bags is a silly idea when they can just get a free plastic bag. And even though we are culturally starting to become more aware of our actions the unfortunate truth of the matter is that a plastic bag does kill and has killed many creatures of the wild. It has been reported that 500,000,000,000, yes five hundred billion, plastic bags are used each year, which roughly equates to 1 million bags used every sixty seconds. So why should you get yourself a bag for life?

Well the most obvious reason to choose to use a bag for life is that in the long run it works out cheaper, statistics show that each person uses around 302 bags a year. Furthermore, most UK/US shops are now charging for the use of plastic bags. This may not seem like a lot at the moment but the government is attempting to make legislation to increase the amount to double.

A second reason to use biodegradable bags is for the durability it gives. The biodegradable bags have been manufactured in a way that allows for a high weight to be carried with the maximum amount of durability. What this basically means is that a bag for life is more durable than a plastic one, meaning that it is less likely to break on you or to split at the bottom pouring your goods onto the floor.

A third reason, although maybe not as persuasive as the previous ones is that it does actually make a good fashion accessory item. With the recent push for the sale and use of reusable bags. Many people have chosen to build companies that aim to manufacture fair products based on renewable materials that people will want to carry. So now you can buy fairly fashionable biodegradable bags that can be both nice looking and make a statement. One of my favourite bags said: “Get a haircut, you look ridiculous – no offence”.

The statistics of bag use (as first mentioned) may not seem like anything to change your life about, but due to this amount of plastic bag production an average of 100,000 recorded animal deaths have been noted. This means that for every 5million bags used one animal dies, the time to change the way we think is now. The longer we wait the more animals will die and the less likely it will be that our future children will see some of the animals we were once blessed to. So do your part now and buy a bag for life.

Jeffrey Macdonald loves writing on different ways of keeping your environment clean. Now a day’s using Environment Friendly Bags or Eco Friendly Bags is the sensible thing to do.


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Clark Philippines London Pub public screening of 2010 FIFA World Cup Soccer life from South Africa

Clark Philippines London Pub public screening of 2010 FIFA World Cup Soccer life from South Africa

Clark Philippines London Pub public screening of 2010 FIFA World Cup Soccer life from South Africa

 

 

For a modest ticket price of p100, visitors and residents of Philippines Angeles City Clark Freeport zone can watch life screening of FIFA World Cup 2010 life from South Africa at The London Pub in Mimosa Leisure Estate just past Yats Restaurant and Wine Bar in Clark Philippines. 

 

 

The London Pub and Wine Bar is located in Mimosa Clark Philippines.  This English bar serves up authentic British gastropub food, a good variety of English and other imported beers, an eclectic selection of wine by the glass and Cuban cigars. 

 

The London Pub is an authentic English styled pub, a cozy place for foreigners and locals to hang out, enjoy good beers, wines, liquor and cocktail and order up some authentic British pub food.   Quality of food is second to none and the menu contains both familiar fares done to perfection and exquisite gourmet dishes involving ingredients flown in from all over the world. 

 

The London Pub is already a great venue for private and semi-private parties for groups from 30 to 130.  It’s outdoor patio is an excellent venue for garden-styled parties also.   Food and wine are all top quality and modestly priced.

 

An eclectic selection of wine by the glass is available at the London Pub, something like this:

 

 

RED WINE

 

2007       Merlot , High Tide Isla Negra, Central Valley Chile    php280

2006/7   Cotes de Duras, Doamine des Combes         php260

2002       Barbera d’Asti Dezzani La Vigna, Tuscany Italy        php 320

 

WHITE WINE

 

2002       Chardonnay, Dezzani La Vigna Piedmont Italy          php220

2005       Bianco di Pitigliano, Goracci Rossano & Danilo Italy               php240

2006       Riesling – Villa Loosen, Mosel Germany       php380

2002       Sauvignon Blanc – Konrad, Marlborough NZ             php280

 

 

SPARKLING WINE

 

Cava Artelatino Brut Metodo Tradicional    php 390

 

 

All-day dining Menu at the London Pub

 

Braised Duck & Potato Broth with Lentils           115

Potato & Leek Soup with Croutons    120

Grilled Chicken Breast with Horitiki Salad and New Potato   220

East end Braised Beef & Bacon Herb Dumplings           250

Roasted Chicken Breast Stuffed with Sausage & Mushroom Served on Hash Brown Potato with Buttered Green Peas    220

Pork & Potato Goulash

with Chick Pea’s & Sautéed Red Cabbage & Raisins   210

Selection of Piadinas           230

Greek Flat Bread Pizza With Various Toppings

Peppered Beef & Eggplant Paella with Fried egg & Asparagus     190

Chocolate Cake with Fudge Sauce & Vanilla Ice Cream               150

Lemon Meringue Pie with Poached Fruits         140

 

Variety of beers include Tetleys, Guinness, Boddington, Murphy’s Irish, Budweisser, Millers, Samuelson, Heineken, Lowenbrau, Tsingtao Premier etc. and the famous Vintage Beers availalble from Yats.

 

Getting there

How to get to this charming London Pub in Clark Philippines?  Once you get to Clark Freeport, go straight until you hit Mimosa.  After you enter Mimosa, stay on the left on Mimosa Drive, go past the Holiday Inn and Yats Restaurant (green top, independent 1-storey structure) and the London Pub is on your left. 

 

 

The London Pub and Wine Bar is located in Mimosa Clark Philippines.  This English bar serves up authentic British gastropub food, a good variety of English and other imported beers, an eclectic selection of wine by the glass and Cuban cigars.

 

The London Pub is an authentic English styled pub, a cozy place for foreigners and locals to hang out, enjoy good beers, wines, liquor and cocktail and order up some authentic British pub food.   Quality of food is second to none and the menu contains both familiar fares done to perfection and exquisite gourmet dishes involving ingredients flown in from all over the world. 

 

The London Pub is already a great venue for private and semi-private parties for groups from 30 to 130.  It’s outdoor patio is an excellent venue for garden-styled parties also.   Food and wine are all top quality and modestly priced.

 

All-day dining Menu at the London Pub 

Braised Duck & Potato Broth with Lentils           115

Potato & Leek Soup with Croutons    120

Grilled Chicken Breast with Horitiki Salad and New Potato   220

East end Braised Beef & Bacon Herb Dumplings           250

Roasted Chicken Breast Stuffed with Sausage & Mushroom Served on Hash Brown Potato with Buttered Green Peas    220

Pork & Potato Goulash

with Chick Pea’s & Sautéed Red Cabbage & Raisins   210

Selection of Piadinas           230

Greek Flat Bread Pizza With Various Toppings

Peppered Beef & Eggplant Paella with Fried egg & Asparagus     190

Chocolate Cake with Fudge Sauce & Vanilla Ice Cream               150

Lemon Meringue Pie with Poached Fruits         140

Variety of beers include Tetleys, Guinness, Boddington, Murphy’s Irish, Budweisser, Millers, Samuelson, Heineken, Lowenbrau, Tsingtao Premier etc. and the famous Vintage Beers availalble from Yats.

 

Getting there

How to get to this charming London Pub in Clark Philippines?  Once you get to Clark Freeport, go straight until you hit Mimosa.  After you enter Mimosa, stay on the left on Mimosa Drive, go past the Holiday Inn and Yats Restaurant (green top, independent 1-storey structure) and the London Pub is on your left.

Manila Sales Office

3003C East Tower, Phil Stock Exchange Center,

Exchange Rd Ortigas Metro Manila, Philippines 1605

(632) 637-5019   0917-520-4393  Rea or Chay

 

http://www.LondonPubClark.com

http://www.youtube.com/watch?v=qsPsfY61N1I

 While in Clark, don’t pass up the opportunity to enjoy a day in leisure and relaxation at the idyllic Clearwater Resort located in the central business district of Clark Freeport Zone.  For more information, visit http://www.ClearwaterPhilippines.com

 

 

New The London Pub English Bar opens in Angeles Clark Freeport Zone Pampanga Philippines near Yats Restaurant & Wine Bar.   Authentic English-styled Pub serves gourmet Pub food, Wide variety and English and other imported beer and vintage wine by the glass.

 

LondonPub@Yats-International.com

 

 


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Book Review: the Life of Daniel Boone by Lyman C. Draper, Edited by Ted Franklin Belue

Book Review: the Life of Daniel Boone by Lyman C. Draper, Edited by Ted Franklin Belue

THE LIFE OF DANIEL BOONE, published by Stackpole Books, 1998, is a unique book about an eighteenth century explorer, written by a nineteenth century biographer, and edited by a twentieth century author. How does it come off? Not too bad! In fact, this is probably the most authoritative account of the renowned frontiersman we will ever see.

I have a special interest in the subject. Daniel Boone is my great, great, great, great grandfather. No, I won’t bore you with my own genealogy. Suffice it to say, I descended through Jesse Bryan Boone, Daniel’s eighth child, who died the same year as Daniel — 1820.

Including notes and index, THE LIFE OF DANIEL BOONE is a large volume totaling 596 pages. And those pages are loaded with rather small print plus drawings and maps. But don’t let that discourage you from taking a peek at this one of a kind work.

If you would like a quick summary of the book, read the Preface. In eighteen pages, Belue appraises the character of Daniel Boone, what he did, and what he thought of his own fame. We discover Boone was a skilled woodsman, hunter, trapper, explorer, scout, militia commander, judge, and county representative. And he was a natural leader.

In his introduction, Ted Belue describes him as: “charismatic, quiet, even-tempered, and rarely willing to utter criticism even of those who opposed him. Boone’s genteel ways were the sort that universally garner respect and attract.” That plus his lack of guile and a sense of honor earned Daniel Boone a solid reputation.

But what did he think of himself? Belue quotes Boone’s own words: “Many heroic exploits and chivalrous adventures are related to me which exist only in the regions of fancy. With me the world has taken great liberties, and yet I have been but a common man. It is true that I have suffered many hardships and miraculously escaped many perils, but others of my companions have experienced the same.”

Daniel Boone was modest. He comes across as a good man, one we would like to have on our side in a crisis.

Next we turn to the chronicler of information on Boone and his times. The self-appointed biographer, Dr. Lyman C. Draper, born September 4, 1815, showed exceptional insight for his day. Nineteenth century storytellers had no qualms at all mixing fantasy with truth. If it spiced up the story, a good myth even seemed preferred over mundane facts.

Against this concoction of history and legend stood Draper with his grand vision of saving facts from oblivion. While the evidence was still available, and the people who remembered the events were still living, he wanted to separate fact from myth, correct misconceptions, and get as close as possible to the truth about frontier history.

In his youth, Draper selected twenty subjects to save from mythology. Besides Daniel Boone, other subjects meriting Draper’s attention included George Clark, Anthony Wayne, Daniel Morgan, and Dunmore’s War.

From 1843 to 1852, Draper traveled the trails Boone had explored, seeking interviews and gathering data on the frontiersman. But the project never turned into a book. He died in 1891 lamenting he had not finished the “Life of Daniel Boone.” Since 1854, Draper’s manuscript remained in the archives of the State National Society of Wisconsin.

In 1990, historian Ted Franklin Belue decided that Draper’s huge manuscript, rich in details of Boone and frontier life, should be available to the public. Thus the book began.

Belue presents Draper’s work much as it was left by the biographer nearly one and a half centuries earlier. Belue’s changes to Draper’s transcript were minor. He eliminated excess commas and made military titles and abbreviations consistent with modern usage.

Belue wrote the introduction and provided us with a series of notes at the end of each chapter following Draper’s original notes. The editor concluded his introduction by reminding us that what we are holding in our hands had been hidden away since 1854. “Read it. Savor it. Take time to get to know Lyman Draper, his methods, his point of view, the tenor of his times, and his man, Daniel Boone.”

Good advice. But to that I might add, there are three men in this book who are best understood in the context of their times: Boone, Draper, and Belue. Of the three, Boone is by far the most straightforward. Simply put, he was an adventurer who couldn’t rest until he saw what lay beyond the next hill. His life was an ongoing search for Eden, an unspoiled hunter’s paradise.

In Kentucky, he found much of what he was seeking. But civilization, which he himself helped usher in, quickly ruined what he considered most appealing. So off he went in search of a new unblemished wilderness.

The real Daniel Boone was a man of courage, skill, and good fortune who nevertheless suffered much over his 85 years. He was no Fess Parker. He wasn’t a big man. He killed few Indians and despised those who attempted to portray him as a fearless Indian-killer.

Occasionally we are struck with the quaintness of the times. Sentimentality, not “cool,” was the predominant mood of the eighteenth century. Here’s a prime example. When Boone led a party of men from Boonesborough, they managed to rescue his own daughter, Jemima, and two other girls from a combined force of Shawanoes and Cherokees.

How did Boone propose to celebrate the event? He said: “Thank Almighty Providence, boys, we have the girls safe — let us all sit down and have a hearty cry.” And they did! That direct quote somehow never made the Daniel Boone TV series.

Now let’s consider the compiler of information, Dr. Draper. What should I say about this mother lode of facts and opinions, and what should I leave for you to discover for yourself? I will limit myself to three observations.

Draper’s style will certainly catch your attention. A few pages of Draper comes across as quaint and charming. Then again, several hundred pages of him is downright tedious. For modern tastes, it’s a bit too much: too wordy, too flowery, and too sentimental. But wasn’t that typical for the period? Yes, I believe it was.

Draper reflected his time in other ways too. The mood of the mid-nineteenth century was a positive one. They were as assured of themselves, their culture, and their values as we are uncertain of ours in the early twenty-first century

.

Dr. Draper championed Manifest Destiny. Anglo-Americans were marching westward taking their civilization in tow. At times Draper seems to be more of a cheerleader than a historian. But, as Belue points out, Draper never had a historian’s perspective. He couldn’t distinguish the trivial from the significant. So his notes are full of minute details of no particular interest.

Despite all of his faults, Draper preserved much of historical interest which would be lost without his efforts. That is his real contribution. Unfortunately, he never did get around to exploring Daniel Boone’s latter years. This entire volume is dedicated to the first half of Boone’s life.

Belue, unlike Draper, is a historian. By and large, he displays the objectivity and evenhandedness that Draper lacked in his manuscript. But is one major respect Belue reveals that he too is a man of his day.

The term “American Indians” has now been changed to the politically correct term “Native Americans.” Belue is numbered among those who believe what Caucasians did to Native Americans was morally reprehensible. What Belue espouses is, in effect a moralistic view of history.

Our question for Mr. Belue is: How did those Indians tribes obtain their lands? Well, they acquired them by driving off, killing, or assimilating other tribes who had the land before them, as they had in turn done to those who preceded them.

The history of Britain was no different. Picts lost their land to the Celts, who in turn were driven away by Anglo-Saxons, who in turn were conquered by the Normans. Larger tribes, more aggressive people displaced others and took their territory. What Anglo-Americans did to Native Americans is what mankind has been doing to each other throughout recorded history — no more, no less.

Draper’s manuscript details deceptions and atrocities committed by both sides, as well as acts of friendship and good will offered by both. Here Draper appears to be objective. Belue agrees.

A couple of centuries after the events, it is easy for us to lob criticism at the frontier settlers. After all, they won, didn’t they? But what were those eighteenth century settlers really like? What were the eighteenth century Indians like? This book, the most authoritative document we have for this period, opens our eyes to the timbre of the day. Before condemning the settlers, perhaps we should ask ourselves: if you and I were in constant peril, how altruistic would we be?

The LIFE OF DANIEL BOONE is a book worth reading. This volume is our passport back to the eighteenth century frontier America. It’s a time of great beauty and danger, unbelievable opportunity and hardship, plus numerous acts of courage, savagery, and cowardice. It is an exciting period. See for yourself.

Jerry Boone, Gatlinburg, Tennessee, United States webmaster@merechristianity.us Mr. Boone is a sailor, author, and webmaster of http://merechristianity.us His works include: Mere Christianity.us and SAFETY LINE – EVIDENCE OF THINGS NOT SEEN, an apologetic study published 1998.


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Bring the enthusiasm back in life by holidaying at holiday cottages Sussex and holiday cottages Wales

Bring the enthusiasm back in life by holidaying at holiday cottages Sussex and holiday cottages Wales

The over -demanding life of today is the cause of stress and tensions. People are constantly facing the pressures of the today’s fast moving world. They are leading a mechanical life, i.e. work, work and work. This is reflecting poorly on their physical and mental health. And we all know that health is wealth because a healthy individual can generate wealth and at the same time enjoy the life. But the trend is changing now. People have become health conscious now and want to lead a balanced life. They want to keep a balance between their professional and personal life.

In this area they like to go for holiday breaks time to time to rejuvenate themselves. And yes you bet, holidays work wonders to recoup from the same monotonous routine and make keep your spirit soar high again. Nature has been kind enough to fill the Earth  with beautiful views which give a serene feeling. Among the list of tourist places, holiday cottages Sussex and holiday cottages wales are the most sought after destination these days. These places are embodied with many site seeing places like Bodmin Moor, St Land’s End peninsula,St. Michael Mount, and so on. Besides this, the beautiful natural surroundings further add the joy of being here to spend a restful time.

Now comes the ticket booking for traveling to these places. Then as we know in today’s internet age, online booking facilities have made the booking so easy and convenient. This is a great relief to the people of today’s busy world as it saves their precious time and energy. In the line of online travel portals for booking holiday cottages in UK, www.oas.co.uk is a worth mentioning name. This user friendly site has the provision for last minute booking also. Your search procedure is eased out by the advanced search module by providing a brief description of the tourist places listed here. This enables you get acquainted with the place before traveling. And the rate at which the accommodation is available in these cottages is the best in the market.

So why wait, get the booking done for your next holidays by using your credit cards with us and have a great holiday at these holiday cottages. And yes we keep bringing attractive holiday packages for you time to time like summer and winter packages.

David is a travel journalist whose write-ups mainly focus on luxury and high living. He has contributed several articles guiding on holiday cottages Sussex and holiday cottages Wales


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3D Renderings Architectural Breathes New Life into Construction Design

3D Renderings Architectural Breathes New Life into Construction Design

The architectural designs have got a new meaning with the introduction & use of 3d render & mapping service. These advance visualization methods has brought about a sea change in the way construction designs were used to be visualized earlier. The 3d render service has enabled us to have access to better visualization, real looking 3d rendering architectural, better layout design, efficient design management without any fault & inexpensive construction design within less possible time.

The 3d renderings architectural service is targeted to present the architectural designs in the 3d virtual form & the concerned designs look lively. The architectural 3d render service ensures improvement in the communication & design value. It facilitates the real estate developers, architectures & stakeholders to understand the basics & grasp the design layout faster.

Basically 3d rendering architectural is the best option one can use to beautify his/her construction project & dispose of it faster. In fact the 3d render is emerging as one of the powerful visualization tools that can enhance the initial project design & make it appear to the clients & share holders exactly the same as they would look after they have been built.

The 3d renderings architectural take into account every real life elements such as people, vegetation, color, texture, lighting & surroundings to the rendering process to make designs look like real. The interior designers, contractors, architects & property developers are widely using some of the common CAD software technologies including 3D Max, Adobe Photoshop, ArchiCAD & Revit Architecture for giving 3d render finishing. These 3d renderings architectural software are greatly used as promotional tools in advertisements & brochures.

The addition of advance CAD software & technology has led to the withdrawal of conventional hand drawn 3d renders from the architectural design making process. To increase the value of their designs & make them more appealing to clients, architects are opting for 3d renderings architectural service to develop look real images. These images are prepared using either a full scale architectural walkthrough/flythrough & photo-realistic visual technology in a digital platform.

The architectural 3d render designs offer benefits like superior quality, accurate detailing & drawing of more number of vantage points resulting in better communication. Their application areas include office architectural renderings, furniture 3d rendering, 3d interior design, interior architectural 3d rendering & much more. The 3d render visualization centers around floor designs, landscape design, hotel exterior & interior renderings, site plan walkthrough/flythrough. The 3d product renderings have huge potential that they can relate to a layman instantly.

Allen joy providing 3D  interior designers

3d presentation

3d rendering

3d render


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Military Kit and Life Insurance From Abacus

Military Kit and Life Insurance From Abacus

By agreeing to join the military, one also agrees to take up the many risks that military service comes with. And while risk is an inevitable part of military life – and indeed life at large – there are various steps one can take to manage the risk. One of the most widely accepted risk management strategies is taking up insurance.


The risky nature of all military undertakings means that military insurance has to be tailored differently from insurance for the general population. Ordinary insurance companies used to have difficulties with military insurance due to the many facets it come with. As it were, the reality of military risk is such that it cannot be adequately covered by the actuarial modeling used in designing the ordinary insurance packages. This creates an obvious need for specialized military insurance. Consequently, a number of companies specializing in military insurance have come up. One of the leading companies that offer such specialized military insurance is Abacus, which is particularly well known for its services to the united Kingdom military.


One of the products for which Abacus is famous is its military life insurance, which is available to members of all units in the armed forces. Through abacus’ military life insurance, soldiers are assured of peace of mind as they undertake their patriotic duties. Thanks to abacus military life insurance, a soldier is for instance assured that his family is well taken care of even should, God forbid, sudden death come upon them. And while the possibility of sudden death is a reality that all soldiers in active duty find themselves having to live with – and which many accept valiantly – the question of the wellbeing of one’s close family upon such an occurrence is an issue that not many soldiers are willing to leave to chance.  And apart from such sudden demise, abacus military life insurance also covers you in case you are suddenly diagnosed with a critical illness. The basic workings of this insurance is such that if you meet sudden death your family is paid a given amount of money, and if you are diagnosed with a critical illness, you receive a stated amount of money, which can go a long way to help you put your affairs in order, or put up investments which can provide you with an income if the illness makes it hard for you to work.


Another popular military insurance product from Abacus is the military kit insurance. As it were, a soldier’s military kit is one of the things that a soldier is personally responsible form, meaning that one has to replace the kit which – tends to be rather expensive – should it get damaged or lost. Before the advent of military kit insurance, losing one’s military kit would have been a trully terrible occurrence, as it would possibly mean foregoing several months’ pay and going through a lot of financial distress in order to replace the kit. But thanks to military kit insurance, a soldier can now go through their day to day duties without undue worry of losing their military kit. Abacus military kit is designed with a global focus. This means that it covers your military kit, even should it get damaged or lost while on foreign duty. And the Abacus military kit insurance goes beyond the kit itself, to include cover for your military living accomodation, should it get accidentally damaged. Through the Abacus military kit insurance, you have various coverage options, including the ‘all risks’ options, which can make the loss of your military insurance kit totally painless.  


With qualified advisers dealing with

military insurance
, army kit insurance and military PA insurance, many of whom have over 20 years experience in dealing with service personnel of all

ranks, you can be confident that we know what we are talking about. At
Abacus we experts on military

insurance and army life insurance. 

 

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How to Collect on Lost Life Insurance Policies

How to Collect on Lost Life Insurance Policies

A relative has just died. He had a life insurance policy with you listed as the beneficiary. There’s just one problem: the life insurance policy is missing. You have no idea which insurance company wrote it.

If you find the missing life insurance policy in the future, are you still eligible to receive the death benefit?

Hope they paid their insurance bills

If you’re a beneficiary and you find the lost life insurance policy shortly after the insured dies (within six months to a year, for example), claiming the death benefit should be trouble-free.

First, determine if the insured had term or permanent life insurance. If the insured held a term policy, you’ll receive the death benefit if he died before the end of the policy term. If he died after the policy expiration date, you would get nothing.

If the insured had a permanent life policy, you’ll receive the money if the death occurred while the policy was “in force,” meaning all premium payments were made up until the time of death. If the death was a while ago, you’ll receive the benefit with interest from the date of death.

If the life insurance policy lapsed — meaning the insured stopped making premium payments before he died — there’s a chance you might get nothing. When a permanent life insurance policy lapses, most insurance companies switch its status from permanent insurance to one of two options:

“Extended term” — The insurance company uses the cash value of the policy to buy a term life insurance policy for the same death benefit using the cash value of the policy. The death benefit will continue for the longest period the cash value will purchase.

“Reduced paid up” — The insurance company will keep the policy in force permanently, but will reduce the death benefit.

Gerry Brogla, an actuary for State Farm, says in the majority of the cases at his company, the permanent policy continues as extended term if it lapses. At State Farm, extended term is the default option for most permanent policies.

If the policy lapses, and the extended-term period expires before the insured dies, the policy is worthless and the life insurance beneficiary will get nothing. If the insured dies before the extended-term period is up, the beneficiary will receive the death benefit. If the policy lapsed because the insured died (thus ending premium payments and causing the insurance to be placed in extended-term status), the beneficiary will still collect the full death benefit, regardless of when the extended term was up. The beneficiary always needs to supply the insurance company with a death certificate to verify the date of death.

There is no time limit during which a life insurance beneficiary must step forward to collect the money, according to Jack Dolan, spokesman for the American Council of Life Insurers. “If a person shows up 30 years after [the insured's] death, the company still makes good on it,” Dolan assures.

What happens if no one ever reports the death?

If the insured dies and the insurance company does not learn of the death, the policy lapses. Insurance companies will take steps to find out why a policyholder stopped making payments.

When an insurance company stops getting payments, it sends letters to the insured informing him the policy may lapse as a result of unpaid premiums. If the letters go unanswered, the company might initiate a search to find the insured. If that comes up empty, the company will then lapse the policy.

If a beneficiary to a policy never steps forward, it unfortunately means the insured paid money to a policy throughout his life and his beneficiaries never see a penny. This is why its a good idea to make sure beneficiaries are aware of any life insurance policies you have.

If you’re lucky, the state may have your money

In some cases when a beneficiary fails to claim a death benefit for several years, the money is transferred to the state where the insurance policy was purchased under the escheat laws.

If a company knows an insured died and it cannot find the beneficiary, it must turn the full death benefit over to the state comptroller’s department within three to five years of the insured’s death. The money is transferred to the state where the insured bought the policy. The money is considered “unclaimed property” and gets lumped in with dormant bank accounts and uncollected rent deposits. The comptroller’s department maintains a database that lists the names and addresses of lost life insurance beneficiaries.

Many states will try to contact life insurance beneficiaries in an effort to pay the death benefits. In Texas, for example, the names and addresses of the beneficiaries are published annually in each county in the state. In New York, the Web site of the New York State Comptroller’s Office of Unclaimed Funds has an online search to find any unclaimed death benefits owed to you. You can find out the procedures in your state by contacting the office of your state comptroller or treasurer.

Keep in mind your chances of finding the policy with the state are slim. The insurance company has no obligation to hand the money over to the state if it’s unaware the insured died. In most cases, it’s the beneficiary who contacts the insurance company.

Also, the insurer only transfers the money to the state three to five years after it cannot find the beneficiary but knows the insured died. If the state doesn’t have the death benefit, it’s likely the insurer is still looking for the beneficiary or doesn’t know the policyholder has died.

Unclaimed death benefits are rarely transferred to the state. Dave Potter, a spokesman for Hartford Life, says less than 1 percent of his company’s death benefits go unclaimed.

Del Chance, a life insurance claims manager at State Farm, says, “Turning over life policy benefits to an individual state after the death of an insured is extremely rare. State Farm utilizes their own search techniques as well as outside vendors to locate lost beneficiaries in the event of the death of one of our insureds. By and large these procedures have always located the beneficiary.

Tips for making sure your life insurance beneficiaries get your death benefit:

1. Give your beneficiaries your policy information. It can be a difficult and awkward conversation, but an important one.

2. Keep all your financial records (especially your life insurance policies) in one place. Don’t force your beneficiaries to search your house from top to bottom after you die.

Tips for looking for lost life insurance policies:

1. Go through canceled checks or contact your relative’s bank for copies of old checks. Look for checks made out to insurance companies.

2. Ask those who may have known about your relative’s finances. Speak with the relative’s lawyer, banker or accountant. Also contact the relative’s insurance agent.

3. Contact your relative’s past employers. They might know of possible group life insurance. The insured might have also purchased supplemental life insurance through work.

4. Check the mail for a year. Premium bills and policy-status notices are usually sent annually.

5. Look at income tax returns for the past two years. Check for interest income from policies or expenses paid to life insurance companies.

6. Contact the Medical Information Bureau. If your relative bought life insurance fairly recently, there might be a trail of the companies to which he applied. The Medical Information Bureau (MIB) maintains a database that might show if insurers requested your relative’s medical information within the past seven years. Record searches can be requested through the MIB’s Policy Locator Service and cost . The MIB says that nearly 30 percent of searches turn up leads.

Visit Insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles and decision-making tools that are not available from any other single source. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.

Luke’s real life auto insurance quote came back at 303 dollars a month. Luke got pissed… and put his new webcam to use. (Like all of our stuff, it’s scripted.)
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How To Design Your Own Cotton Bag for Life

How To Design Your Own Cotton Bag for Life

Use of Cotton Bags for Life has increased in recent years due to their positive influence on the environment in terms of lowering waste . Many responsible shoppers are now using re-usable cotton bags for their shopping and large stores actively sell them over the counter in a bid to reduce the number of carrier bags given to customers. Plain bags are normally sold for their nominal sum, but if you want to standout from the crowd, bags with design could fetch considerably more. Another option which is much cheaper and more special is to design your very own bag for life, using your very own creative skills and your home printer. Let’s get to work.

How To Design Your Own Cotton Bag for Life:

A. Purchase a Plain Cotton Bag – The first step is to purchase a plain re-usable and biodegradable bag from your local store. You might want to purchase a pack of at least 5 bags to apply different designs and to experiment.

B. Prepare Your Design – Not only images could be applied on the bag, but also text using notepad or Word. If you decided to print an image onto the bag, download an image to your computer and ensure the quality is high, the image isn’t pixelated and that you are allowed to use the image.

C. Purchase Transfer Paper – Using your own home or office printer, the design should be printed onto a special transfer paper to finally ironed on the bag. Transfer paper also known as iron on paper is available for light or dark cotton bags.

D. Iron The Design Onto The Bag – The most important phase is delivering the design from the transfer paper to the bag and it includes the following steps.

Step 1 – Set your printer to work optimally with the type of paper you bought. For HP printers choose iron on paper (can be found under special paper), for Epson printers choose plain paper and tick ‘flip horizontal’ to create a mirror image and for Canon printers choose iron on t shirt paper

Step 2 – Lay the bag on to a stable hard surface (not an ironing board) and using a hot iron with a min 1200w iron the transfer paper all over for a few seconds to fix it on to the bag. Iron systematically in small cycles every part of the transfer, spending 5-10 seconds in each position.

Step 3 – Peel off the backing material and the bag is ready.

Enjoy your cotton bag for life.

Joseph Eitan is the founder of Photo Paper Direct online sellers of high quality photo papers and print cartridges

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