Travel booking helper

With the recent extreme weather condition that battered the country a lot of homeowners have to deal with flooding. Officials from the Federal Emergency Management Agency have repeated over and over, pitching flood insurance to homeowners.

If your house got flooded, usually there is a 30-day waiting period on most flood insurance policies, so you should really have one in place already. If you’re right on the water and you don’t have a mortgage, you should probably get flood insurance to cover yourself.

You should also make sure that your policy is rated properly, if your policy is not rated correctly and an adjuster find it out, you could have your claim adjusted to pay back for insurance that you should of been paying for, so double check with your insurance agent to make sure that you are rated properly.

All it takes is a few inches of water to cause major damage to your home, your appliances, and other contents.

If your home got flooded you can use this tool to estimate the damage caused by the flood inch by inch:



Also check "What does Standard Home Insurance cover?" and "Flood Insurance Policy"

LIVING MY DREAM AS A MERMAID

For the first week, I spent my pre-cruise New Year's vacation lounging by the pool at the wallet-friendly, winter obliterating, Embassy Suites Ft. Lauderdale. Then I was off to Port Everglades. (Embassy Suites is only a few blocks from the Port).

NEW YEAR’S WEEK AT EMBASSY SUITES FT. LAUDERDALE

SILVERSEA'S REGAL SILVER SPIRIT

MY PERSONABLE PERSONAL BUTLER ALBERT MAGSINO

SAIL-AWAY PARTY ON THE POOL DECK

STARS SUPPER CLUB GLOWS AFTER DARK

POOL DECK LUNCH WITH YUMMY SWEET POTATO FRIES FOR STARTERS

TEA TIME WITH AN OCEAN VIEW

PAN-FRIED FOIE GRAS WITH FOREST BERRY COMPOTE

I have not been posting for a while. Secret Paladin might be an old deck after LoE came out. However, I still like to post this due to 3 potent points.

1. It recks me
2. It is fast (win or lose, good for ranking)
3. No Legendaries (cheap)



I am not sure whether to rename this deck to Sickening Paladin if you cannot kill the Secret Keeper/Knife Juggler and it starts to buff up/knife you and gets redemption etc. Even with board clears, the divine shield (shielded minibot, coghammer) protects the buff up (avenge, BOK) minion. So, it can be a bit annoying. Anyway, this plays a bit like face Hunter. Credits to Muirhead.

There are definitely different flavors of it, like replacing Piloted Shredders with TrueSilver Champions or 1 Quarter-Master. It is fast off the block, thins the deck and sickening draw to keep the pressure up. Perhaps the new Reno decks with board clears is one of the counters and of course, freeze mages. If you can kill the buff up Mysterious Challenger (sequence - Repentance/Noble sacrifice, Avenge, Redemption & Competitive Spirit) with a BGH or removal, it can be devastating for them as they do not not have legendaries.

Bonus video

Despite of UnitedHealth Group Inc. efforts to cut down on sign-ups their 2016 Affordable Care Act exchanges enrollment has surge and this caused the company significant losses.

UnitedHealth, which is the biggest U.S. health insurer said, they are expecting losses of more than $500 million on its 2016 Obamacare plans, compared with previous projections that amounted to $400 million to $425 million in losses.

The company has done some steps to reduce their exchange business exposure in anticipation of losses, like cutting down on marketing and slashing commissions to health-insurance agents.
However, enrollment still grew, widening their exposure. UnitedHealth Group Chief Executive Stephen J. Hemsley said the new projection reflected “prudence,” as the company sought to ensure it had covered all possible losses.

On Tuesday, the UnitedHealth reported their financial outlook for 2016, they expect $7.60 to $7.80 in adjusted earnings per share and at least $180 billion in revenue. Its shares closed up 3% at $112.58, as investors shrugged off the exchange comments amid strong results elsewhere in the company’s portfolio.

But UnitedHealth’s move comes amid continued worries about the exchange business—concerns that the company jump-started in November, when it disclosed expected 2016 losses and said it would consider withdrawing from the health-law marketplaces, a decision expected to be made later this year.

What would an exit by UnitedHealth Group mean for Obamacare?

It would mean higher premiums as well cost sharing for consumers, particularly in small markets where UnitedHealth is a big player.

Car insurance companies like Progressive, Allstate, and State Farm are offering big discounts to car owners on their insurance however, it comes with a catch. They will place sensors in your car so that they can track your every move and driving habits.

The sensors will give insurance companies comprehensive data about how you drive your car, how far motorist drive, how often you hit the brakes, and record every time you exceed the speed limit. These data will give insurance companies information to identify safe drivers who are less likely to file a claim.

Insurance companies wants to create a database of these information about drivers to be able to accurately evaluate risk and customize each insurance policy to fit individual drivers. Unfortunately for them they will need customers to consent to having a tracking device in their cars, and a lot of people don't want it.

Insurance companies are temping car owners with plug-in devices and smartphone applications. They are also working with car manufacturers to be able to use their in-car computers as tracking devices. They also offer big discounts as high as 30%.


If you ask me, this is really creepy, if they can track your every destination they will know everything about you. Where you work, where your kids attend school, where you get your lunch etc.

BY  JANET STEINBERG    

THE 1972 TRANSAMERICA BUILDING IS A CITY LANDMARK

THE CABLE CAR IS A NATIONAL LANDMARK

TAKE A BOAT TOUR TO ALCATRAZ…”THE ROCK”

FISHERMANS WHARF

SEA LIONS AT PIER 39

TAKE A TOUR ON A VINTAGE FIRE TRUCK