This is a free online recipe. Today the recipe is about making Creamy Fruit Salad. As you can tell from the name of the salad, the ingredients are made up primarily of fruits.

These are the ingredients required for this recipe:

1 cup of Strawberries

1 cup of Cantaloupe

6 whole Strawberries

1 red or green Apple

20 pieces of Grapes. They should be of the green seedless variety.

1/2 cup of Pineapple

1/2 cup of Mandarin orange sections

1 & 1/2 cups of Topping

2 tablespoons of Coconut.

OK, here’s the recipe’s method and instruction:

1. Firstly, we will need to cut up the fruits. Cut the strawberries into quarter pieces. As for the cantaloupe slice them into chunk sizes. We do so for the pineapple too. As for the apple, chop into chunks and remove the core.

2. Now in a 2 quart bowl, mix in all the fruits except for the whole berries. Cover the bowl with plastic wrap and refrigerate. Do so until the mix is well chilled which can take a few hours.

3. When we want to serve, prepared 6 sundae glasses. In the sundae glasses, spoon 2 T whipped topping that are thawed frozen non-dairy. Also top each portion with 1/4 cup of the fruit mixture.

4. Top each portion of fruit with 1 T whipped topping, then an equal amount of remaining fruit mixture. Spoon 1 T whipped topping onto each portion of the fruit.

5. Next, sprinkle 1 tablespoon of coconut that are shredded & toasted. Lastly, garnish with 1 berry.

We have come to the end of this free online recipe instruction. Thank you so much for reading.

The author is the creator of the Talking Recipe Book software. There is also a free version of this recipe design software call Recipe Book Lite.

Article Source: http://EzineArticles.com/?expert=Shen_Gerald

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You might not have realized it, but boat insurance is the oldest kind of insurance there is. As with car insurance, policies come with an excess to discourage small claims - for boat insurance, this is usually quite a large sum of money, as the intention of the insurance is to cover you against substantial losses instead of just scratches and dents.

A boat insurance strategy is based on the agreed value; there is a certain amount of money printed in the strategy, which is the sum compensated in the case of a complete loss. Remember, the right charter boat insurance strategy for you is one that insures both your boat and charter boat business.

For instance, a speedboat capable of high speeds requires a much different type of insurance than a small fishing vessel would because of the potential liability for the insurance company that comes with a speedboat compared to a fishing boat. This coverage pays for the medical expenses incurred by people on your boat.

It is necessary for you to know the basics of boat insurance and do little homework. No matter how you look at it, you need boat insurance, even if you just purchase the watercraft liability coverage.

Be pro-active and arm yourself with knowledge, which among the different policies possible, your boat insurance should have. There are also insurance policies for special circumstances. If you have decided to take a boat loan you need to keep a few points in consideration.

Some of the best boat loans are offered in UK at competitive rates and terms matched with personalized services that make boat purchasing a pleasurable experience. There are a number of types of boat loans but the majority will use the boat as collateral, similar to a home loan or mortgage. Secured boat loans: Just like any other secured loan, secured boat loan require collateral as security.

Boat loans are of two types - secured and an unsecured boat loan. A well-planned and carefully chosen boat loan will provide the borrower with all the fascinating pleasures and riches of boating. If you are thinking of buying a boat but don’t have the cash, do not be discouraged. As it is with lending institutions, these lenders charge a boat-loan-processing fee.

Join us for more information about Kelly blue book boat and other s

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Insurance is a cover used for protecting a person from the financial losses. Financial losses can take many forms. There are risks to our investments, liabilities for our actions, and risks to our ability to earn income.

The insurer and the insured are the main two parties involved in insurance. The insurer is the insurance company which will provide the cover to the insured against any financial losses. The insured may be an individual person or a group of people like an employer, members of a society, etc.

Basic categorization of Insurance

There are mainly two broad categories of insurance

• Life insurance
• Non-life insurance

Life insurance products include Life term policies, which give clean risk coverage of only the death benefit, whereas endowment or money back policies have a risk as well as savings component i.e. death as well as maturity benefit. The life insurance also includes Unit – Linked Policies in which there is a risk component and a savings component, which is invested in equity, debt or gilt funds, depending on the insurance company.

Non Life insurance products include property or casualty, health insurance or house, fire, marine insurance etc. This insurance category deals with all the non-life aspects of an insured like their house, health, land, office, etc which might bring financial loss.

There are few principles of insurance, such as:

• Definite Loss - Insurance - The event that gives rise to the loss that is subject to insurance should, at least in principle, take place at a known time, in a known place, and from a known cause. The classic example is death of an insured on a life insurance policy.
• Unintentional or Accidental Loss - Insurance - The event that comprises the trigger of a claim should be accidental, or at least outside the control of the beneficiary of the insurance The loss should be ‘pure,’ in the sense that it results from an event for which there is only the opportunity for cost.
• Huge Loss - Insurance - The size of the loss must be meaningful from the perspective of the insured. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to rationally assure that the insurer will be able to pay claims.
• Affordable Premium - Insurance - If the probability of an insured event is so high, or the cost of the event is so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that anyone will buy insurance, even if on offer.
• A large number of identical coverage units - Insurance - The vast majority of insurance policies are provided for individual members of very large classes. The existence of a large number of identical coverage units allows insurers to benefit from the so-called “law of large numbers,” which in effect states that as the number of coverage units increases, the actual results are increasingly likely to become close to expected results.
• Measurable Loss - Insurance - There are two elements that must be at least estimatable, if not formally calculable: the probability of loss, and the attendant cost. Probability of loss is generally an empirical exercise, while cost has more to do with the ability of a reasonable person in possession of a copy of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim.
• Limited risk of terribly large losses - Insurance - If the same event can cause losses to numerous policyholders of the same insurer, the ability of that insurer to issue policies becomes constrained, not by factors surrounding the individual characteristics of a given policyholder, but by the factors surrounding the sum of all policyholders so exposed.

Prerna Joneja is a Professional Content Developer at Webart Softech having proficiency on diverse topics. http://www.theloanbazaar.com provides more information about

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Insurance Valuation can guarantee the property owner has adequate insurance and is not paying for excessive coverage. A property loss can be a devastating experience even when fully insured. Incurring a loss when inadequately insured can cause financial disaster. Casualty insurance costs rose sharply after hurricanes Katrina and Rita, particularly in the Gulf Coast area. Property owners are more acutely sensitive to the cost of insurance as a result of rate increases which occurred after hurricanes Katrina and Rita. Those who suffered a loss are also more aware of the level of coverage.

Insurance Valuation provide evidence regarding replacement cost. Insurance Valuation confirm casualty insurance coverage is adequate to rebuild the property in event of a casualty. supplies you the values to allow you to set your insurable values at the proper and appropriate levels. Since construction costs have increased sharply in recent years, replacement costs have changed materially in the last few years.

Purposes of insurance Valuation include making the following parties comfortable insurance coverage is adequate:

• Insurers
• Lenders
• Owners
• Limited partners
• Tenants

The objective of an insurance valuation is to provide adequate funding to replace the physical property destroyed by a loss. This would include the structure. However, damages for lost rents are not part of an insurance valuation analysis, though they can be insured as an additional expense or business interruption Insurance Valuation are prepared by calculating the cost to replace the existing property, including items which would be destroyed by a casualty. An insurance valuation would typically focus on replacement cost instead of reproduction cost. Insurance addressing reproduction cost is atypical. Replacement cost is the cost to build a replacement building which is functionally equivalent to the subject property. Reproduction cost documents the cost to build an exact duplicate. The cost of site preparation, paving, sidewalks, underground utilities, and foundation would not be included when calculating replacement costs in the insurance Valuation.Appraisers would visit the site and document the quantity of improvements and type and quality of construction materials.There are several options for calculating replacement cost. The square foot method provides an estimate of values based on the overall building size and utility. The segregated cost method actually calculates the cost of the individual building components and rebuilds the building piece by piece. The option you choose depends on both your needs and the complexity of your properties. Replacement costs are developed from the combination of construction costs manuals and/or interviews with developers, lenders, and builders.Appraisers typically focus primarily on construction costs manuals to develop a preliminary opinion of replacement cost. Discussions with real estate professionals are used to review the accuracy and reasonableness of data in the construction cost manuals. Since most buildings are insured on a replacement bases, the “cost approach” used in a traditional appraisal may not meet your needs.

Accurate replacement cost data can ensure the insurer, lender and owner are adequately protected in event of a casualty.

O’Connor & Associates staff complement of over 50 real estate professionals includes 12-15 senior staff members who can complete an insurance Valuation. They can also handle other due diligence tasks. These professionals are supported by an experienced staff of over 100 who are accustomed to complex assignments. Our team has experience in all aspects of real estate including acquisitions, due diligence, ownership, appraisal, property tax appeals and dispositions. Reduce your risk and stress by utilizing O’Connor & Associates’ breadth and depth of experience to evaluation your real estate investments.

This capacity to research, analyze and interpret market trends and transactions is why real estate professionals rely on O’Connor & Associates for comparable sales land abstraction, comparable sales units of measure, project design guidance, property performance evaluation, market studies, feasibility studies, and lease audits. O’Connor & Associates is an acknowledged source of trends in Texas real estate and m

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There are many types of supplemental health insurance plans that you can take advantage of. There is also a way you can pay for them without altering your current insurance budget. The best part of it all is that the process won’t take you much time. But, you must make sure you understand it well and implement it correctly. First, I’ll take out time to explain a few things about them…

Just as their names suggest, they are supplemental. They are not substitutes for regular health insurance policies. However, they can help you recoup money you’ve spent on health care needs or income lost due to health matters.

The usual procedure is that you pay first and then make a claim for reimbursement. This is so because supplemental health insurance providers don’t pay health care providers directly as is the case with most regular health insurance plans.

There are many types of supplemental health insurance plans. They are supplemental accident insurance, supplemental health insurance, supplemental disability insurance, supplemental life insurance, supplemental long term car insurance and supplemental medicare insurance. Others are supplemental cancer insurance (and for other specific diseases not usually covered under regular health insurance) and supplemental hospital insurance.

In each of the above cases, you get coverage on those specific areas that are not covered by your regular health insurance. Where it is partly covered by your regular health insurance policy, it extends the coverage.

While it is highly recommended that you get it, getting the extra dollars to pay for it could be a problem. Here’s how to get the extra dollars…

Visit insurance quotes sites and obtain quotes for your existing insurance policies. The reason you should do this is that if you can save a few hundred dollars from your auto, home, health and other existing insurance policies, you will be able to pay for most supplemental insurance plans without altering your current insurance budget.

Visit at least three sites for each insurance policy. Get quotes for all your existing policies and then compare them to see savings you will make. Someone was able to make savings of over $2,000. Although you may not make anywhere close to such an amount in savings, you should make savings enough to cover at least one supplemental health insurance plan.

Here are my favorite pages for health insurance quotes…

InsureMe Health Insurance Quotes

Health Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on “To Use My Articles” when you get to my site.

Chimezirim Odimba writes on insurance.

Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecher

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Throughout my career I’ve frequently been coming across some misconceptions among common people, regarding insurance claims, who thinks that, having an insurance against loss or theft or any other insured perils or risks is the only criteria for getting paid in full for the financial loss they suffer towards their homes, cars or properties.

You probably may have this misconceptions. Let me clarify this with some examples. Let’s say, you’ve recently purchased a couple of personal insurance policies and being enthusiast, one of your close friend has bought a couple of homeowners’ insurance policies too in order to get double benefits. Now, suppose in a car accident, you’ve broken one of your legs and naturally you’ve claimed and got paid in full by both the insurers.

And coincidentally, your friend’s house has burnt down by fire and he’s supposed to lodge a claim to both his insurers separately.Well, what do you think about it? Will he get paid in full by both the insurers? Unfortunately not. And obviously both the insurers would refuse to pay more than one claim.

But why is this? Because property insurance(including health & homeowners insurance) is subject to principle of indemnity(compensation) and contribution.Whereas personal insurance and life insurance are usually not controlled by contracts of indemnity and hence there’s no contribution among insurers.

Just like the principle of indemnity prevents an insured from recovering money from both the insurers, so it prevents recovery of claims in full from more than one insurer.In this case of ‘double’ insurance, both the insurers, covering the same interest/property for the same risk, must share the claims proportionately.

Now what are the principle of indemnity & contribution and their exact role in determining a claim judiciously. As you know, all insurance policies, except life insurance and personal insurance policies, are the contracts of indemnity.The main objective of having these provisions, is to place the insured or policy-holder in almost the same financial position(as before the mischance) after suffering a loss. Otherwise, it would go against the public policy to allow an insured to make profit out of the happening of loss/damage. And there would be a tendency of getting an over-insurance.

Similarly contribution is defined as the insurer’s right to call upon the other concerned insurers to contribute, equally or proportionately, for the same loss and the doctrine of contribution supports the principle of indemnity or principle of equity under common law. Whereas there’s no contribution(as per contract) in case of personal accident and life insurance policies.

Kaushik Adhikary operates http://www.myinsuranceinsiderinfo.com, a blog all about fresh and informative info on new trend of all categories of insurance field. He loves giving away Free Stuff and now giving away Free Memberships to his Newsletter. Your are not just going to believe what you’ll get when you sign-up for the newsletter and its all absolutely free.

For more more valuable informations, Click Here-http://www.myinsuranceinsiderinfo.com

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Even though you can save by downgrading your coverage, it is not recommended if it puts you at risk. But there’s a better way: Implement the correct steps and do a few things right and you’ll get big discounts. Let’s go deeper into this…

1. You will probably lower your rate if you take time out to go through your home insurance policy at least once a year or whenever things change in your home. That hand-woven rug your aunt gave you might not really be worth the $10,000 you insured it for at the moment.

If it is now worth less, you will then do the sensible thing: Lower your coverage by the same margin and get lower premiums as a result. However, a review may reveal it’s now worth a lot more and that you have to buy more coverage. Whichever way it goes, your best interest is being protected in either savings or ensuring enough coverage.

2. Get a group home insurance policy if you can because you’ll attract a cheaper rate with it. You should already know if your employer gives such. Many associations have also arranged discounts for their members with home insurers so find out if yours has such.

However, before you apply this option, compare the rates you’ll receive through such an association with what you will pay with another insurer. You can find an insurer that your association has no form of affiliations with that offers your profile a far lower premium. So it really does pay to shop if you want the most affordable premiums.

3. You can get cheaper rates if you are retired. Since not every insurer gives this discount, ask your agent before you put pen to paper.

The basis for this discount is the fact that having someone almost always at home makes a home a better risk. The risk of fire destruction is also less with folks who are often at home since they’ll easily spot them early.

4. Considering that your main reason for purchasing home insurance is to guarantee you’re adequately covered from the risks associated with a home loss or damage, I’ll add this even though it’s not normally included in your homeowners policy.

Houses in flood-prone places are not regarded as properly protected without a flood insurance policy which costs up to $500 annually. Every mortgagor will insist that you buy flood insurance if your home is in a flood-prone locality. Unless you are sure the extra spend is a wise compromise, you’ll spend less if you buy a house in areas that won’t demand flood insurance.

5. Take out some time to visit not less than five insurance quotes sites that offer quotes on home insurance policies. This will require around 25 minutes. While you visit each quotes site, make sure you input the same details. Doing otherwise will give you misleading results. When you’ve obtained your home insurance quotes, compare them to determine which serves your interest best in price/value.

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This morning at work we had a presentation on health care plan options. With rate increases, our company is making us switch plans or pay out-of-pocket for the deductible on the existing plans. One of the options we are looking at is a high-deductible plan in combination with an HSA (Health Savings Account).

If you have not heard of a Health Savings Account, you will soon, as they are becoming increasingly popular. The concept for an HSA plan is two fold: a high-deductible health insurance plan is combined with a special tax-deductible savings account, called an HSA, or Health Savings Account. First, a high-deductible insurance plan means that the first $1000-$3000 (depending on the plan) of any medical service, often with the exception of annual physicals and other preventative care (which are covered with a small co-payment), is paid for entirely by the individual. The insurer does not begin paying until the deductible has been met, after which the insured individual is not required to pay anything.

But from where is an employee supposed to get this $1000-$3000 to meet deductible payments?

Enter the HSA. The IRS has set up these special accounts as such that all contributions are completely tax-free (as a “top-line” deduction, itemizing not required) and the money in the account can be used to fund any health-related expenses, including eyewear, vision, dental, acupuncture and other services typically not covered by your primary health provider. Because high-deductible health plans offer significant savings compared to traditional plans, your employer will possibly use part of the difference to fund your HSA, essentially putting money in your pocket!

Back to my company, the presentation on our health insurance options resulted in an interesting discussion. The company will be paying the premium on a high-deductible health plan and contributing $500 annually to my Health Savings Account. I’m young, healthy, and rarely see the Doctor, so this will essentially be $500 in my pocket to use on future medical expenses. Something particularly appealing about the HSA plan is that I could use my Health Savings Account to buy glasses online! This is a huge step away from the paradigm of the insurer paying ridiculous prices to the eye doctor for glasses. Because my employer has agreed to contribute $500/year into my HSA, for the first time ever, my glasses will cost me nothing out of pocket and the cost of eyeglasses will go towards my deductible! But I’ll still have the incentive to go with the most cost-effective route (thereby using less from my account), so I’ll buy my glasses online with the HSA debit card.

For the budget-conscious do-it-yourself type, the HSA really works out great. So, if you have a health savings account, use it to buy glasses online! It is a qualifying expense , so just save the receipt in your health expense file. Tax-free eyewear for under $100.

The author is a twenty-something Coloradan who works professionally in local government and blogs as a hobby. As a lifetime wearer of corrective lenses, the author is passionate about helping people from all walks of life afford quality eyewear at a reasonable price. His blog is online at GetBetterGlasses.com

Here is a list of qualifying expenses…

Article Source: http://EzineArticles.com/?expert=Adam_Zekmueller

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So, you have made it through the prospecting game. You made your cold calls, sent out your mass mortgage mailers, invited people to your coffee-sponsored seminars, you qualified responders as being serious prospects and have set the appointment.

Now what? You have done all this work, are you sure you are going to get their business? In this article are 5 closing techniques to help you solidify the deal and make the sale.

1. Quality Demonstration - If you are going to take the time to give a demonstration, be sure that you listen to your potential client’s needs and interpretations of what they expect to get out of your appointment. There is nothing worse than explaining variable life insurance and all the different cash options and disability waivers…to find out they only have a budget of $50 per month. So, listen and then tailor your demonstration to focus on their needs and to solve whatever void they need filled. Don’t get too wordy. The best demonstrations have few words, but are very poignant.

2. Small-closes - Throughout the demonstration, try to get periodic “buy ins” and acknowledgments that you are on track with solving their needs. Ask for their opinions, ask open ended questions; be sure to engage the potential client. If you can make many small closes throughout the sales process, then when it comes time to pull out the application, they won’t be shocked or caught off guard. When they ask a question, re-state their question. This does two things: it lets the potential client know that you are listening to their concerns, but it also restates to them what they have just said is their need. So, when the time comes for you to discuss possible solutions, such as term insurance to cover the mortgage, or a wrap-around disability income policy to substitute the rest of their income, then they cannot back out and say that it isn’t a concern.

3. Between 1 and 10 - This has got to be one of the greatest closing lines ever. It is easy to do, and it forces the potential client to sell themselves. When you have finished your demonstration, you simply turn to your client and ask them, “Between 1 and 10…10 being ‘I am ready to fill out the application and never worry about how my family will financially survive if something should happen to me’…or 1 being ‘I wish you would leave my house right now’….where do you fall? And no matter what they tell you, you ALWAYS answer, “Really, a “#”? Why so high?” Even if they tell you a “4″….you answer, “Really, a 4? I thought you would be a 3, you had your arms crossed and didn’t seem interested in anything I was saying. Why are you so high? What made you choose a 4?”

And then let them answer. Even with a low number, they will point out the features that they liked. They will point out the solutions that worked best. They will also tell you what they didn’t like…and then you can move forward from there. If they were turned off by the price….them give them other options. If they were turned off by the fee structure of A-share mutual funds, then tell them about B or C shares.

4. Suggest/Recommend- This isn’t so much a closing technique as it is a phrase that sets you apart from others by presenting you as the expert. Think about the times you have heard people use this phrase with you. Typically most large oil changing stations will say at the end of their “12 point inspection”, “I recommend you flush out your steering fluid or use a fuel injector cleaner”. What happens is that, they are recommending this to you, which gets you thinking, “hmm…they are the experts, perhaps I should listen to them”. Versus someone saying, “you NEED to do this.” That phrase turns us off. “I don’t NEED to do anything!” When you are sitting with a prospective client and you have finished your demonstration and they have agreed that they need to begin a college savings plan, or invest in a sound life insurance policy, the next phrase out of your mouth should be, “As your Financial Representative, I suggest we get started with…..” or “I recommend that we…..”. It sets you up as the professional that they will trust.

5. Take the sale away -This phrase sounds like the opposite of what you want to do, but rather than chasing someone for the sale, make them ask you for it. Statements like, “I don’t even know if you will qualify for this….why don’t we fill out some of the medical questions to see if we should even move forward with underwriting.” Or if they balk at the initial deposit to open a college plan or annuity, try saying, “You know what? Maybe you are right. This college plan doesn’t seem like the right fit to help you cover the cost of your children to go to any school they want to….why don’t you check out state savings plans through the bank…I believe that enrollment period starts in 6 more months”. This gets the person thinking, “Well what is wrong with me? I want to fit in, I want to belong.” When you push something, it moves away from you….when you pull the same item, it comes towards you. Another move you can make…if someone says that the premium is more than they want to spend, you can always say, “you know what, maybe you are right, but why don’t we go ahead and get you underwritten, see if you even qualify for this low of a premium, as you could come back rated. Then once you are approved, then we can determine which policy will work best for you.”

It takes a little time to change your thinking, especially when you are just starting out. But give it some time, and practice these steps. You will see clients becoming more attracted to you as a professional.

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Like any other sales job, selling insurance, no matter if they are very good health insurance leads and life insurance leads, can be quite challenging especially if you don’t know what you’re doing.

Seasoned insurance agents, however, will tell you that there’s actually a way to make selling insurance a less painful experience. Here are the some tips:

We all know that the so-called warm markets are the best places to find buyers because of the TRUST factor. If you’ve saturated your warm markets, don’t be shy about asking new prospects from them - your friend’s friend, you sister’s mother-in-law, etc.

In sales, there actually three types of prospects: (1) the ones who don’t need the product, (2) the ones who need it but can’t afford, and (3) the ones who need it and can afford it.

Ideally, you should have to have type 3 prospects on your list always; price won’t certainly be an issue for them, the only objections they might have may only pertain to the product itself (which you can very well handle).

There are many of them insurance leads sites who would be more than happy to provide with you pre-qualified insurance leads. Some sites will only require you to up-sell insurance products, that is, they set the insurance agent up for an appointment to have an insurance plan signed or to pick up some paper work from a client. It’s essentially just selling a new product to an old client.

Visit http://www.bestmedicaresupplement.com/ for more information.

Article Source: http://EzineArticles.com/?expert=Susan_Mayer

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