Conejo Valley Blog

Summary
An innovative new insurance product has been developed by Animal Friends Insurance (AFI). The insurance plan offers cheap premiums to vegetarians, based on evidence that they are at a lower risk than their carnivore counterparts of developing certain health conditions. It remains to be seen whether other insurance firms will follow AFI’s lead .

A no-profit insurance business has introducd an insurance policy which offers fish-eaters and vegetarians a reduced cost life insurance.

The deal, believed to be the first of its type, is being pioneered by Animal Friends Insurance (AFI). The organisation is offering veggies a 6% price reductionon cheap life cover premiums
The business said that vegetarians ought to pay a lower amount for the insurance, which pays out if the policyholder were to die, because they were more unlikely to suffer from a list of critical illnesses, including some cancers.

Elaine Fair, AFI’s managing director, said that the risk of veggies being diagnosed with certain cancers is reduced by up to 42% and the possibility of them suffering from heart disease is cut by up to 32%, but despite this they have, until now, had to pay broadly the same life premiums as clients who eat meat.
She says that AFI believe this is not fair and says the life industry should recognise the concept that being a veggie can impose a positive impact on life expectancy and lower its monthly charges accordingly.

A full-price arrangement is also on the market for non-vegetarians. Both insurance plans are brought to the market by LV=, which prior, was known as Liverpool Victoria.

In common with normal life policies, a range of factors contribute to the cost of the monthly premium including whether the applicant smokes, their age, weight and sex.

Just at the moment, AFI is making the 7% cheaper premium itself from the fee it earns from from LV=. In the future, however, the company’s aim was to offer lower costs on specialist plans. In making the discount the business is hoping to sign up enough veggies to make it worthwhile for LV= to underwrite another plan that takes the vegetarian’s diet into account.

Indeed there are huge savings to be made, a 42-year-oldnon-smoker wanting £300,000 worth of cover might potentially save £393.60 over a twenty five year term.

Where cheap life cover is concerned, AFI believes that insurance companies should try to treat those that eat meat and non-meat eaters in approaches matching the way they assess those that don’t smoke and those that do. We hope that that other companies in the insurance industry will follow the initiative.

It is thought that some senior managersin the insurance industry doubt whether there is robust proof that veggies live longer, and how any life insuranec company would know that applicants who had stated that they are veggies did not savour the occasional rump steak.

When it comes to smoking, the insurance company can refer to your GP’s patient records - if you now don’t smoke it’s certainly likely that your GP is likely to know. However, this is not the case when it comes to eating meat, an insurance executive observed.

But some veggies contend that they are not worried about people falling off the veggie ways and suggested that once a vegetarian has become a vegetarian, they do not regress to meat-eating, that is unlike applicants who smoke who tend to drift in and out of their habit.

I want to be sure to find the best deals on American Girl Clothes. I love shopping for american girl clothes for my daughter.  We get such a kick out of looking at all of the different styles and colors. It is so much fun.  It is really cute when you can get matching outfits for you and your daughter.  My daughter got the matching pajama set with slippers. How cute was this? Talk about some really cute pictures. I must say that this will really create some fond memories to look back on later in life.

Now, my daughter wants another American Girl Doll.  Oh boy, this little hobby of hers is getting expensive. This brings up the point of finding good bargains for all of your American Girl Doll Clothesand accessories. You really need to go online and do some quick searches and you will see all sorts of deals.  I just go through the top ten or so and see what kind of specials or sales are going on.

There is always something new coming out with American girl stuff. It is hard to keep up with all of it. This is a very fun hobby but you just have to be careful not to break the bank with it. Overall I have to say that this hobby is very rewarding and can really teach some wholesome life lessons to young girls. This is why I will stick with this hobby for as long as my daughter continues to enjoy it.

Have you ever struggled in learning to play the guitar? What about spending tons of money on expensive private guitar tutors? Ever been to websites that claim to give learn guitar lessons online only to find that they do not work for you? These are issues that many beginner guitar players are facing.

Many beginner guitarists attempt to learn the guitar by starting to play their favorite songs. By doing so, they are highly motivated to learn the guitar and can feel a sense of accomplishment when they are finally able to play their favorite songs. This approach of learning the guitar is not very effective in the long term. Very often, they would face huge challenges which require fundamental guitar playing knowledge and skills that they did not picked up.

The next most important thing that novice guitarists should learn is the different parts of the guitar. Why? Many of the free online guitar lessons will refer to specific parts of the guitar such as the bridge, body etc. Without prior knowledge of these guitar parts, a beginner guitar player may end up wasting more time and worse still, misinterpret the guitar lessons and learn the wrong stuff.

A bed sheet is a piece of cloth that is designed and used to cover a mattress. This is similar to what can be found at www.preciousbedding.com. This second sheet is referred to as a “top sheet”. What the thread count determines is the comfort of the fabric.

Bed sheets are available in two types: flat and fitted. As a guide the cheaper sheets made of cotton, muslin other cotton blends typically have a thread count of 150. This can also be compared to items from precious bedding from time to time.

Remember, bed sheets are a critical factor in feeling the quality of your bed, and as we spend on average one third of our life there, we may as well make it as comfortable as possible, so buy good quality linen. Which actually makes sense if you consider preciousbedding.com to be a reliable source. There’s just something about sinking into a bed with high quality cotton sheets. Most people exclusively use flannel sheets in the cold months, because they will become “sweaty” in hot ones.

There are many individuals who aguish about getting a loan as they guess they will be rejected by the lender. Luckily there are plenty of financial products available today which are specially directed at them, including as payday loans , loans for people with bad credit and pre paid cards. The individuals can request for these and the loan service will not reject - they don’t carry out credit inquiries. Pre paid cards are not borrowed funds as the capital that you put on to the prepaid card is yours. You cannot land into debt with a prepaid card therefore it is a rather fantastic product for individuals who aren’t able to acquire a everyday debit card. Payday loans are pretty useful if you really need funds speedily for an emergency situation yet in general they are high price.

In Winter we are travelling for Christmas and I purchased the flights and accommodation on the web. They were pretty low price as I paid for them in August and another item I purchased was travel money. I had discovered that you cannot get travel money best rates at the normal airport travel money agent - you must order it online. At the everyday merchants they ask for extra fees such as commission and the rates are generally very poor. Online you can get the best FX rates and the travel money services in most cases post the money straight to your door which is fantastic. I am really pleased in general with my Christmas break planning this Xmas!

Foreign currency services use the main FX money exchange to obtain their FX rates. For example, they may exchange currencies from all over the world but where do they purchase and sell them? Well, they utilise the principle forex exchange (in some cases called the FX or Foreign Exchange market) the same way regular FX brokers do. Banks and big corporations employ the forex market as well. For example, when you wish to transfer funds to another currency you may go to your bank and they can carry out the transaction on your behalf - yet they might charge very bad FX rates. A foreign exchange specialist may do the same exchange but for far better rates. Just call them up and they may arrange a transaction later today!

You’ve probably heard lots of stories of people who go to credit repair organizations for assistance to improve their credit score, but to have instead been taken in by credit repair scams. To learn what must be done to avoid being taken in by such unscrupulous people|these scammers|these crooks}, you need to understand how they function.

They know that those who find themselves suffering financial hardship are in such desperation as to believe anything that is told them, hoping these fraudulent companies will really be able to improve their credit score, so they can regained a peace of mind. They in many cases are so disheartened by the system, which is downright cruel to people who have problem credit, that they’ll do anything whatsoever to get it fixed.

Most people looking for help are ready to declare bankruptcy. It is these who are most vulnerable to credit repair scams.

Why? Because they feel a sense of urgency, and are unaware that improving their credit takes at least 6 - 12 months. Very often, they feel like time is running out on them, and unless they take action right now, disaster awaits them in the future. Ironically, when they sign up with these company’s instead of improving their financial situation, they will lose whatever little money they still had, since they’ve made the mistake of chasing a mirage.

Here are the warning signs that alerts you to credit repair scams:

1. They promise miracles - these less than honest companies promise they will have all the negative remarks removed from your credit report. They will guarantee you that your credit score will improve within 2 or 3 months.

They try to make this happen by disputing every negative trade line in your report. The bureaus may initially remove some or most of the disputed items that they can’t verify within the required 30 days. In the meantime, it will seem that this fraudulent agency has delivered on its promise.

But if the bureaus can verify the negative accounts at a future date, they’ll end up back on the report - plus you will have earned the reputation of being a hustler!

2. They tempt you to bend the rules - they actually break the law with their tactics, such as using the identity of others to improve credit score, by offering to give you a new SSN that has no bad credit record, so that you can “start life afresh.”

Beware! Such tactics can land you in a lot of trouble. Not only is it illegal to take up a “new” SSN, the number could have a police record attached to it, or any such things that will be far worse that having bad debt.

3. You demand full payment up front - these credit repair scams are characterized by the fact that they ask for their fees in full up front. This makes sense, because they know you will find out that that they can’t deliver as quickly as they claimed. And at that point, you won’t pay them.

Know that you can avoid credit repair scams. Just keep in mind that no matter how desperate you become, look closely for the warning signs!

At Wikaniko Shop we stock Eco Products, Eco Friendly Products, Green Products, Eco Cleaning Products, Organic Products, Eco Friendly Cleaning. In fact, if it’s got Eco in the name, we probably stock it!

But we are much more than an online shop and have started a campaign to plant much needed trees in Africa. Join us and along the way, you will pick up some stunning ideas plus incredible insights as to what is happening to our world today.

We want you to join us on an incredible green journey, and reduce your carbon footprint whilst saving money by buying eco friendly products at a great price. In the Wikaniko Shop you will discover one of the most comprehensive ranges that you could ever come across under one roof. In fact we stock 650 products - totally degradable bags, fantastic natural cosmetics, natural toiletries, soaps, creams, organic cotton wool, energy saving devices, sustainable greetings cards, interesting and creative water saving gadgets, organic gardening products, seeds, and all at your fingertips.

You can simply purchase eco products online as a green shopper. We recognise the need for those who want to purchase green products, learn more about the environment, get a little more involved, and receive up to date news, ideas, tips, articles, etc. So you can become a Wikaniko Shop Club Member (and receive your become greener products at a discount too)

On the website you will discover eco games, resources, environmentally aware articles, facts, free eco newsletter, and so much more. You can play the recycling game. Join in the WikanDoIt program.

Subscribe to the free Organic Gardening series. Learn how to use your organic vegetables in cooking. Read all about how we can help reduce the damage and pollution on our world. Reduce your carbon footprint too!

You are about to discover a web site that is different from the norm. Exciting. Interesting. Enjoyable. Thought provoking. Informative. Fun.

Becoming more ‘eco friendly’ is on many people’s lips these days. However, it is difficult to know where to start, and what to believe. So we have unravelled the mysteries for you in the most innovative and creative ways that you could ever imagine.

Please take time to explore Wikaniko Shop. You will be astonished at what you will discover, and delighted about how you can benefit from the services and resources oozing from this web site. Above all, we will show you how to become a whole lot more environmentally aware, whilst actually benefiting your wallet or purse! It needn’t cost the earth to go ‘green’ - but it will cost us all the earth (literally) if we don’t….

The purpose of Wikaniko Shop is to help you become greener for less.

The Wikaniko Shop has ‘hit the ground running’ since launching our eco friendly shop, and already stock over 650 fascinating eco friendly, ethical , organic and sustainable products; with new products arriving and being added to the eco friendly shop’s inventory all the time!

The purpose of Wikaniko Shop is to help people become greener at a more affordable cost, with the intention of bringing ‘eco friendly shopping’ to the masses.

Wikaniko Shop also return profits in the form of customer incentives and stamps to those using their eco friendly shop.

Wikaniko Shop offers green shopper’s using their eco friendly shop two forms of membership; customer and distributor. Why not find out more?

As a eco friendly shop customer, registration is FREE and you receive discounts and incentives etc from time to time on the products that you purchase. Furthermore, you can take part in the WiKanDoIt series, where you can get a weekly green task to carry out. This builds up week by week until you realise how well you are doing. 20 or 30 small unnoticeable changes built up over the weeks will add up to a massive improvement – especially for your wallet. There are rewards and incentives along the way too!

As a member, the price you see isn’t the price you pay! You can obtain discounts and rewards, making your membership of Wikaniko Shop thoroughly rewarding in every sense of the word. You get great products and you get a discount. We make a small profit by helping you. Together, we make the world a better place….what better way is there to brighten up your day?

Take time to explore the products thoroughly. Wander through the range of organic cosmetics (actually certified as good enough to eat!) pick some natural organic cotton wool or cotton buds, check out the money saving gadgets, and choose some greetings cards from sustainable forests.

Wikaniko Shop isn’t a just a eco friendly shop – it is a whole new experience. And register as a member today, to enjoy great discounts and rewards!

Take time to explore the products thoroughly. Wander through the range of organic cosmetics (actually certified as good enough to eat!). Pick some natural organic cotton wool or cotton buds. Check out the money saving gadgets. Buy some seeds. Study the aromatherapy course, and choose some really nice essential oils. Select some great greetings cards from sustainable forests. Buy seeds to begin your organic garden. Purchase bio degradable bags and cleaning products. Choose from the range of own brand Aloe Vera products – especially the anti-ageing product that everyone is talking about…..

So Wikaniko Shop isn’t just an online shop - it is a whole new experience. Register as a member today, to enjoy brilliant products, and superb customer service!

WA Kent located in King county Washington is one of those truly incredible places that seem to stay etched into your memory for many years after your visit. The scenery is literally spectacular. Where else can you play golf while taking in the sounds, smell and view of the crashing surf and be gazing at a huge, tall, snowcapped mountain all at the same time?

In the summer time, especially in the mornings the air is crisp before the heat of the day replaces it with its swelter, you can walk out onto the greens and feel as if you are the only person in the world. Although of course you’re looking at manicured grass and if you really were the only person in the world that would be a lot of grass to have to keep cut.

The opportunity to find unbelievably quaint, charming and cozy bed and breakfasts abounds if you know where to look. WA Kent is a veritable treasure trove of inviting B&B’s and small country Inns that will have you wondering why in the heck you would ever in your life want to stay in a basic hotel any time soon. When you price shop and compare, the cost difference is usually negligible but the difference in your overall experience and level of satisfaction is simply off the charts.

Why else would you have WA Kent high on your wish list of top places you would really like to visit as soon as you get a chance? Well, just for starters the Seattle Center with all of its rides and attractions. And of course as you know it boasts being the home to the space needle with its revolving restaurant and incredible elevator ride to the top. It is the gateway to the Puget sound and one of my personal favorites to visit whenever I get the chance, Orcas Island. And by the way the Orcas Hotel is actually a cozy, very Victorian Bed And Breakfast of its own. I put the ferry ride and the visit to Orcas Island on my must “to do” list for the Seattle, Kent Washington area for sure.  There is of course the world famous Pike Place Market on 1st and Pike Streets that is an international smorgasbord of culinary and shopping delights. Not to mention that on almost any given day free live entertainment can be had on the sidewalks of the market. Well, it’s not 100% free because you really should throw a couple of bucks into their collection pot.

Yes, a visit to good Ole WA Kent might be just the thing to rekindle your spirit and give you a much needed respite from all the worries our economy has brought into your life. It truly is a place you will have fond memories of for many a year into the future.

The self-employment tax is added on top of the income tax you must pay as a self-employed individual or married couple. This creates a very heavy burden that you probably would prefer to avoid.

In essence, the self-employment tax

 is in place of the share of social security and medicare taxes normally paid by an employer on behalf of an employee. Since the self-employed person is both an employer and employee, he must pay the tax for himself, whether or not he is on the company payroll.

As the tax tracks the income of the self-employed person, it is an additional layer of tax, on top of the income tax itself. This places an even greater premium on planning your business activities to reduce taxable income, even while managing your business for profitability. The good news is that most of what you do to reduce your ordinary taxable income will also reduce your self-employment tax as well.

But there are at least three items to consider that are different from calculating what is taxable for ordinary income tax purposes. First, only the first $102,000 of income is subject to self-employment tax. If you are fortunate enough to have income that is likely to be significantly greater than this, you will not have to worry about this extra layer of tax as you budget and plan for your income.

Second, 50% of the self-employment tax itself is deductible from ordinary income. This creates a negligible planning opportunity because this amount would be deductible for any employee, yet it is worthy of consideration in your individual situation as you are preparing your returns.

The last consideration is that, rarely but occasionally, it can be to your benefit to be treated as an employee who is NOT self-employed in order to avoid the tax altogether. Calculators are available through TurboTax Online or other tools your tax preparer may have to tell you if you have a unique situation where this may apply.

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Goats Milk|Lavender Comfrey|Tea Tree}Natural Homemade Soaps fragranced with herbs, spices and essential oils.

Now that I use natural soaps I find myself researching the origin or history for the different essential oils used in soap making. I learned about one of my favorite scents; lavender. The Lavender Comfrey Soap that I use is made from Bulgarian lavender which is known world wide for its healing benefits as well as its clean, sweet floral fragrance. Lavender essential oil is known to be a analgesic, antidepressant, antiseptic, and antiviral as well as a bactericide, decongestant, deodorant, and fungicide. Lavender has been used for centuries for healing the likes of acne, athlete foot, indigestion, migraine relief, healing burns and insect bites. stiff joints and sore muscles, sunburns and more. It has also been used as a disinfectant and insect repellent.

A great pleasure for me is to soak in a bath with all natural Lavender scented Bath Salts

The Goat Milk Soaps that I use is handmade with 50% olive oil and fresh pasteurized goats milk. The best thing about this soap is that it is naturally moisturizing and gentle to your skin.

It has been said that Cleopatra use to bathe in milk. I am sure that there are many woman who followed Cleopatra using milk in her bath as well as some men although they might not admit to take milk baths. Milk contains a natural presence of lactic acid as well as alphy hydroxy that are known for softening and removing dead skin cells.

By far the most interesting findings were the essential oil used in Tea Tree Soap. The mystique of this oil can be traced back to folklore of the Bunjalung Aboriginal tribe. Elder tribesmen told travelers of miraculous lagoons with healing waters that were thought to be a gift from their god. Scientific study revealed that the leaves of the Melaleuca Alternifolia (commonly known as Tea Tree) had fallen into the water to create a naturally antiseptic bath. Tea Tree Soap makes a great medicinal soap for cuts and scrapes as well as a multi-purpose antibacterial and facial soap for every day use.

My son uses Tea Tree Soap and it appears to have calmed the flare ups.