Enjoy!
Monday, February 20, 2012
Friday, February 17, 2012
HO3... No, that does not mean the third prostitute...Property and Homeownwers Cover
HO3 is the most common homeowner's policy. And, yes, it has a funny name. It also has a funny structure.
The policy will list all the things it won't cover it they happen to your house, but it lists all the things that it will cover if they happen to the property inside the house.
Too many times I've seen agents not explain this well. So, the homeowner sees this crazy list, and usually interprets the OPPOSITE of what's intended.
Boring crap for a Friday before a holiday, I just wrote 3 homeowners and NONE of them understood this at first...
Ah...Rugby Players...
The policy will list all the things it won't cover it they happen to your house, but it lists all the things that it will cover if they happen to the property inside the house.
Too many times I've seen agents not explain this well. So, the homeowner sees this crazy list, and usually interprets the OPPOSITE of what's intended.
Boring crap for a Friday before a holiday, I just wrote 3 homeowners and NONE of them understood this at first...
Ah...Rugby Players...
Thursday, February 16, 2012
Why We Play Rugby...
Why We Play The Game
- Author unkown
When the battle scars have faded
And the truth becomes a lie
And the weekend smell of liniment
Could almost make you cry.
When the last rucks well behind you
And the man that ran now walks
It doesn't matter who you are
The mirror sometimes talks
Have a good hard look old son!
The melons not that great
The snoz that takes a sharp turn sideways
Used to be dead straight
You're an advert for arthritis
You're a thoroughbred gone lame
Then you ask yourself the question
Why the hell you played the game?
Was there logic in the head knocks?
In the corks and in the cuts?
Did common sense get pushed aside?
By manliness and guts?
Do you sometimes sit and wonder
Why your time would often pass
In a tangled mess of bodies
With your head up someones arse?
With a thumb hooked up your nostril
Scratching gently on your brain
And an overgrown Neanderthal
Rejoicing in your pain!
Mate - you must recall the jersey
That was shredded into rags
Then the soothing sting of Dettol
On a back engraved with tags!
It's almost worth admitting
Though with some degree of shame
That your wife was right in asking
Why the hell you played the game?
Why you'd always rock home legless
Like a cow on roller skates
After drinking at the clubhouse
With your low down drunken mates
Then you'd wake up - check your wallet
Not a solitary coin
Drink Berocca by the bucket
Throw an ice pack on your groin
Copping Sunday morning sermons
About boozers being losers
While you limped like Quazimodo
With a half a thousand bruises!
Yes - an urge to hug the porcelain
And curse sambuccas name
Would always pose the question
Why the hell you played the game!
And yet with every wound re-opened
As you grimly reminisce it
Comes the most compelling feeling yet
God, you bloody miss it!
From the first time that you laced a boot
And tightened every stud
That virus known as rugby
Has been living in your blood
When you dreamt it when you played it
All the rest took second fiddle
Now you're standing on the sideline
But your hearts still in the middle
And no matter where you travel
You can take it as expected
There will always be a breed of people
Hopelessly infected
If there's a teammate, then you'll find him
Like a gravitating force
With a common understanding
And a beer or three, of course
And as you stand there telling lies
Like it was yesterday old friend
You'll know that if you had the chance
You'd do it all again
You see - that's the thing with rugby
It will always be the same
And that, I guarantee
Is why the hell you played the game!!
- Author unkown
When the battle scars have faded
And the truth becomes a lie
And the weekend smell of liniment
Could almost make you cry.
When the last rucks well behind you
And the man that ran now walks
It doesn't matter who you are
The mirror sometimes talks
Have a good hard look old son!
The melons not that great
The snoz that takes a sharp turn sideways
Used to be dead straight
You're an advert for arthritis
You're a thoroughbred gone lame
Then you ask yourself the question
Why the hell you played the game?
Was there logic in the head knocks?
In the corks and in the cuts?
Did common sense get pushed aside?
By manliness and guts?
Do you sometimes sit and wonder
Why your time would often pass
In a tangled mess of bodies
With your head up someones arse?
With a thumb hooked up your nostril
Scratching gently on your brain
And an overgrown Neanderthal
Rejoicing in your pain!
Mate - you must recall the jersey
That was shredded into rags
Then the soothing sting of Dettol
On a back engraved with tags!
It's almost worth admitting
Though with some degree of shame
That your wife was right in asking
Why the hell you played the game?
Why you'd always rock home legless
Like a cow on roller skates
After drinking at the clubhouse
With your low down drunken mates
Then you'd wake up - check your wallet
Not a solitary coin
Drink Berocca by the bucket
Throw an ice pack on your groin
Copping Sunday morning sermons
About boozers being losers
While you limped like Quazimodo
With a half a thousand bruises!
Yes - an urge to hug the porcelain
And curse sambuccas name
Would always pose the question
Why the hell you played the game!
And yet with every wound re-opened
As you grimly reminisce it
Comes the most compelling feeling yet
God, you bloody miss it!
From the first time that you laced a boot
And tightened every stud
That virus known as rugby
Has been living in your blood
When you dreamt it when you played it
All the rest took second fiddle
Now you're standing on the sideline
But your hearts still in the middle
And no matter where you travel
You can take it as expected
There will always be a breed of people
Hopelessly infected
If there's a teammate, then you'll find him
Like a gravitating force
With a common understanding
And a beer or three, of course
And as you stand there telling lies
Like it was yesterday old friend
You'll know that if you had the chance
You'd do it all again
You see - that's the thing with rugby
It will always be the same
And that, I guarantee
Is why the hell you played the game!!
Tuesday, February 14, 2012
What is a Billion dollars? 1/14th of V-day spending...
I don't think you have any clue how much $1,000,000,000.00 is....
A few examples:
PresBO, and the GOP Candidate will both spend $1B on their campaigns...
On Valentine's Day, Americans will spend $14.3B, $0.5B just on their freaking pets!
So, we'll spend 7 times more on Candy and Flowers, than on determining the Most Powerful Person in the World...
The Federal Gov't spends $764B on Medicare and Medicare... Healthcare for the old and indigent. More than 50 Valentine's Days...
So, from another perspective:
$100,000 a year is a nice living, and almost twice the Median income in the US.
If you had $1,000,000,000, earning NO interest, you could spend $100,000 for 10,000 years...
Ten thousand years, at $100k per year...
Or, you could just give 10,000 families a $100k.... that's a thought...
Need more perspective?
Watch:
Please understand this number...it is relevant to insurance, healthcare, disaster relief, and welfare.
And, you won't need to put your pinky on your mouth....
A few examples:
PresBO, and the GOP Candidate will both spend $1B on their campaigns...
On Valentine's Day, Americans will spend $14.3B, $0.5B just on their freaking pets!
So, we'll spend 7 times more on Candy and Flowers, than on determining the Most Powerful Person in the World...
The Federal Gov't spends $764B on Medicare and Medicare... Healthcare for the old and indigent. More than 50 Valentine's Days...
So, from another perspective:
$100,000 a year is a nice living, and almost twice the Median income in the US.
If you had $1,000,000,000, earning NO interest, you could spend $100,000 for 10,000 years...
Ten thousand years, at $100k per year...
Or, you could just give 10,000 families a $100k.... that's a thought...
Need more perspective?
Watch:
Please understand this number...it is relevant to insurance, healthcare, disaster relief, and welfare.
And, you won't need to put your pinky on your mouth....
Monday, February 13, 2012
Renter's... Again...
Who went to USA Sevens in Las Vegas? Good times...
Who came home to discover your apartment burgled, with laptops taken? Bad times...
Renter's insurance, specifically with Special Form (including theft) is ABSOLUTELY essential and it's silly cheap.
Silly cheap.
Ask your current personal lines (auto, motorcycle, etc.) to tack on Renter's. Why he/she hasn't sold it to you already is anybody's guess?
Who came home to discover your apartment burgled, with laptops taken? Bad times...
Renter's insurance, specifically with Special Form (including theft) is ABSOLUTELY essential and it's silly cheap.
Silly cheap.
Ask your current personal lines (auto, motorcycle, etc.) to tack on Renter's. Why he/she hasn't sold it to you already is anybody's guess?
Wednesday, February 08, 2012
Gym Insurance: Check for CTL and AML on your policy
Got a gym?
If you own a gym, workout space, or work as a personal trainer, please research the follow coverages on your General Liability Insurance:
1. Certified Trainer's Liability: Prime examples from Agostini: A trainer pushes a client too hard, resulting in injury.
2. Abuse Molestation Liability: A trainer/employee exhibits inappropriate behavior with a client or gym member.
Associations of Gyms and Personal Trainers usually have good coverage available if you join the association. We recco that you make sure you have the above two coverages included.
If you own a gym, workout space, or work as a personal trainer, please research the follow coverages on your General Liability Insurance:
1. Certified Trainer's Liability: Prime examples from Agostini: A trainer pushes a client too hard, resulting in injury.
2. Abuse Molestation Liability: A trainer/employee exhibits inappropriate behavior with a client or gym member.
Associations of Gyms and Personal Trainers usually have good coverage available if you join the association. We recco that you make sure you have the above two coverages included.
Tuesday, February 07, 2012
RuckingInsurance's $80/year Rugby-Only Program Worked! (Too well....)
An email from a client:
Kevin-Unfortunately, we did not sell enough of the coverage to continue the program. However, we can at least know that we had an actual insurance program that did what it said it would do...
Just a quick note. Had surgery on my ankle and that $80 rugby policy + $250 deductible paid 100% of my $34k surgery and 100% of all MRI, emergency, devices, etc.
Just wanted to say thanks and wonder if that policy is still available. In the spirit of capitalism and good business, I'd like to pass this along to other rugby buddies of mine. Let me know if there is a website to make it easy.
Thanks again,
E
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