#1 ean to you as a Florida home insurance von gsnoopy520 09.10.2019 08:20

If a writer considers writing to be a task Tyrann Mathieu Womens Jersey , heshe is doomed to failure. Since it cannot be a task, then what is it? It is a discipline. What does that mean?

A discipline means development, and that means preparation. So a writer must prepare to be a writer and that means study, study of the English language-its words, its structure Patrick Mahomes II Womens Jersey , its syntax, and its style. That is the groundwork that a writer must follow all hisher life. This implies training.

Where does a writer obtain this training? From many sources-workshops, seminars, courses, reading Frank Clark Womens Jersey , and connection with other writers. Every day becomes part of a writer's training. Every moment adds to the writer's store of information, ideas, topics, and themes.

Discipline means the cultivation of input, of broadening the writer's outlook Tyreek Hill Womens Jersey , of developing something to say, and of creating a way to say it. Without effort there can be no output-at least no yield that readers are willing to add to their store of thoughts and ideas.

Discipline means practice. A writer is not a writer until he or she puts words to paper or screen and this is the application of the training that preceded it. All of this implies a love of the art, and if that is not present, then it becomes a task, and writing can never succeed as a chore.

Discipline means exercise Authentic Darwin Thompson Jersey , which means action, which means the act of writing, of sitting before the blank page or screen and filling it. This is the time of labor, but it must be a labor of love, a desire Authentic Khalen Saunders Jersey , a need, an addiction, in fact, to expressing oneself. Of course, this action can take many forms-poetry Authentic Juan Thornhill Jersey , essays, short stories, articles, novels, and non-fiction books-but it must be treasured and desired for its own sake before it is presented to readers.

Without discipline Authentic Mecole Hardman Jersey , writing becomes nothing more that a job to be completed leaving the author unfulfilled and wanting.

Charles O. Goulet has a BA in English literature. He has published several novels that are available from , , and many other online book stores.

His website is:
Florida Home Insurance - Bad Time to Come up Short When Even Feds Are Broke Finance Articles | November 22, 2008
A federal government drowning in red ink and besieged by corporate beggars in the largest bailout in US history is unlikely to consider a National Hurricane Catastrophe Fund anytime soon. That combined with a Florida Hurricane Catastrophe Fund that cannot meet its own obligations only means one thing to you as a Florida home insurance consumer - it's time to watch your wallet again!


This week the financial crisis brought more shocking news. General Motors, Ford Authentic Tyrann Mathieu Jersey , and Chrysler executives landed in Washigton on with their corporate jets seeking a share of the $700 billion Troubled Asset Relief Program.


In a shameless display of arrogance and entitlement, leaders of what used to be "best in class" companies begged for billions of dollars with their tin cups outstretched in front of the US Congress. Before the Big Three ever arrived in Washington, billions had already been committed to AIG and some of the largest financial institutions in the country.


During this financial meltdown we're seeing something we never expected to see in our lives - broken promises from major corporations and government institutions on an unprecedented scale. The day has arrived when large companies and large states like Florida can't raise the cash they need to meet their promises.


If you are a Florida home insurance consumer the financial crisis has put your biggest asset at risk - your Florida home.


Can you name a more sacred promise than the one a home insurance company makes to you when it takes your money and agrees to insure your home?


When you buy homeowners insurance in Florida the insurance company is promising you fast and fair payment of your claim. Florida insurance companies buy reinsurance to help them make good on this promise to you. Reinsurance is backup coverage that insurance companies buy to help protect themselves from big losses above certain levels.


The Florida Hurricane Catastrophe Fund was formed as a way to help stabilize the Florida home insurance market after Hurricane Andrew caused billions in damage to Florida in 1992. By offering reinsurance at affordable rates, the fund helped to make homeowners insurance available and affordable for many years.


That all changed after the Florida hurricanes of 2004 and 2005 when Florida home insurance became overpriced and hard to find again.


The Florida legislature responded to the Florida home insurance crisis by voting in 2007 to expand the reinsurance sold by the Cat Fund by $12 billion - raising its total risk to a total of $28 billion. Florida home insurance companies were required to purchase this additional reinsurance from the state and to pass along the savings realized on reinsurance to home owners.


In spite of this law, as a Florida homeowner you didn't get the rate reductions you were supposed to get. Your rate cuts never came close to the 24% predicted when the legislation passed. And to make things worse Authentic Patrick Mahomes II Jersey , the Florida Cat Fund took on an additional $12 billion in risk.


Now the Florida Cat Fund has stated that it does not have the money or the borrowing capacity needed to meet its present commitment to the insurance companies after a major Florida hurricane. It recently estimated that it could pay out $13 billion over the next twelve months - That's $15 billion less than the $28 billion it is on the hook to pay!


What does all of this mean to you as a Florida home insurance consumer?


You didn't get the rate relief you expected and your state took on financial obligations that it has no hope of paying.

Xobor Forum Software von Xobor | Forum, Fotos, Chat und mehr mit Xobor
Datenschutz