Yeah, now that I am old and dumb, I really wish I hadn't.

I think all the defacing of the body that people do, is dumb and actually when it gets down to it, ugly.

I have my ears pierced twice. Not a big deal as most women have one or two piercing in their ears.
Of course now a days, many look like a flying pin cushion attacked their ears. Even as rudimentary
as that, I wish I hadn't. Sitting here at this moment, I don't have earrings in my ears. Rarely do
I even wear earrings any more. Like .... 'Ohhhh here I go to Walmart, I better put my earrings in'
NOT.

So like why have a tattoo? I have to do a summersault in front of a mirror backwards to even see
my tattoo. What was I thinking? I wasn't thinking. I didn't feel a thing. That was back in the old
Acapulco Gold days.

Way back when I was young and dumb, I went to a big biker party. My friends talked me into
getting a tattoo on my butt. I had it put on the upper area, it kind of goes down the small of
my back to the upper area of my butt. It's flowers.

I can't even see it.

I think it's a good thing I can't see it. Like I told my friend at the time, (she had her's put
on one breast) she could watch it droop and wilt as she ages. I have no idea where she is
now but I just betcha, she hasn't forgot me saying that every time she looks at it.

Well there is lots of insurance companies. Hopefully you will locate one that has some sense.

State Farm is a good insurance company. I just know due to my ignorance at the time, I could
have had what my policy stated since no changes were ever made to it. For the most part, I
was satisfied with them.

Also, Farm Bureau is a good insurance company that I always felt was reasonable. I had them
for many many years and never had any issues. At the time there wasn't one local by me and
I chose the State Farm.

I'm really not familiar with the small time insurance companies. I suppose most of them are
tied into the big insurance agents some way.

I remember the adjuster for State Farm one day talking about disasters such as Katrina. He
said all the big insurance companies have to take the brunt on that. In other words, one big
insurance company could go under in times of that kind of a disaster and so they have to all
pay into it.

I have one.

It's not nice to intimidate the moderators. WATCH OUT!

Well there was that time when I was pole dancing at the ClixSense bar and grill
when Marcel drove right through the doors and parked his motorcycle at the bar.
He said 'My bike goes where I go!'.

About that time tasman1 came riding in on a Wallaby and he said, 'My Wallaby
goes where I go!".

Shortly after that TiagoLemaire walked in and swaggered up to the bar. When
the bar tender ask him what he will have, he said 'I'll take a Queen of England
and make it a double!'.

While all that activity was going on, there was a guy sitting at a table in a corner
and he kept saying over and over and over again 'My name is Asish07 and I am
an exotic male Indian dancer!' while looking at a woman name lytt. She kept
replying, I am not Jamie Lee, I am not Jamie Lee, I am not Jamie Lee.

When the clock struck midnight DONG BONG DONG BONG DONG DING DING....
a woman name TasMail said 'FREE DRINKS FOR EVERYONE!'.

Fun was had by all.

Actually, at the time, oh yes one needed to place the www if it called for it.
If you didn't place the www you might end up some where other than where you wanted to go.

Well you know what Billy, I don't mean to come off sounding sarcastic or lame but....IF you
don't have time to do any offers here and you don't have time to complete the checklist,
and you simply don't have the time, then what is it you expect?

I sure wish the Time Fairy would hit me with her magic wand because I could use some
more time too.

Actually, I prefer the Time Machine so I could go back about 40 years......GAWD!!!!
Wouldn't I be the famous and wealthy one. As soon as Google started up, I could
give them great suggestions and also buy as much stock as I could while it is low.
Oh and Bill Gates and I would be best buds.

It's very much worth it whether you win or not. It is required in order to earn the
daily checklist bonus. That is where the focus should be in order to make as much
earnings as you can. Focus on completing the checklist daily.

I have not seen it but animals do have emotions and they do feel pain, happiness, loneliness, and love.
Not so different than human's. In fact, I would go so far to say that many animals have stronger emotions
and feelings than a lot of people.

Well I would certainly be looking else where to purchase insurance because that makes no sense.

First of all, why would you insure land? Unless the land is wooded and for hunting or a sanctuary,
something like that, I don't think it could even legally be insured.

Second fact, land price average is approximately $1,000 to $4,000 an acre. A little more or a little
less depending on location. Prices can go considerably higher if it is clear prime farm land but not
$25K an acre. Business districts in the city and even lots much smaller than an acre can go very
high such as lake property, ocean front, etc.

I've just never heard of anyone insuring land.

I would certainly leave that insurance company because none of that makes any sense. In fact,
If they are saying all you have placed here, I would suggest you report them.

You can take out the amount of insurance you want as long as it is not way over the appraised
value. If your house is appraised at $25,000, legitimate insurance companies are not going to
allow you to take out a $265,000 insurance policy and if they do, you certainly won't get that
if your house is destroyed.

The first thing an insurance agent is going to do, is at least a drive by. The agent is either
already going to be familiar with your location and residence or at the very least, do a drive
by. The insurance company will also look at the property tax you pay.

Yep, they will charge more if you have an operational wood burning stove inside the house.

You really need to get a lawyer or something if the insurance companies are quoting you such
high prices when your property is valued lower. Seriously, you can get insurance and at the
going rates for your house and property tax appraisal value. They can't quote you such high
prices and over estimates without getting into some serious trouble.

I got news for you if you don't already know it. If your house is appraised at $25,000, you
will be fortunate if you get that if it does become unlivable.

I'll just give you an example of what I would do if my house was appraised at $25,000....

I would insure my house for $40,000. My personal belongings I would insure for $25,000.
If I am in a low lying area that is prone to flooding, I would add flood insurance. If I have
an old car, camper, other outside possible hazards, I would either junk it, sell it, or move it
back further on my property away from my house and/or buildings. This would keep my
premiums low but I would still be legitimately covered. If something happen and my house
was destroyed, I'd be very likely to receive close to what I had it and my personal property
insured for.

Insurance companies do not like small claims. So avoid if you can, turning in small claims.
A small claim for example would be a tree fell on an edge of your roof and you have to
replace a few tiles. DON'T file a claim. Pay for that yourself. BUT when you have a small
policy, such as my example above, they'll come close to paying out the full amounts.

linphil wrote: Why do some people moan when they are making free money? I just cannot understand them. I sit at home doing my clicks and/or surveys. I play the ClixGrid game, sometimes I win and sometimes I don't. But, the thing is, I am doing this in the comfort of my home with the people I love. WHAT MORE COULD I ASK FOR???
Thank You ClixSense. Keep up the good work.

Survival.

Ok boys and girls, ladies and gents, cats and dogs, elephants and giraffe's, tigers and lions, admins and ceo's,....

Today is a Special Day at SenseErSize. Today class is letting out, forever.

Remember to always do some kind of exercise daily, even when sitting at the computer, you can in fact
do exercises even while viewing ads! Also, remember to drink several glasses of water daily.

Stay Healthy!

Alice Cooper - School's Out (from Alice Cooper: Trashes The World) - YouTube

I never heard of such a thing in regards to insurance in a state having restrictions such as
only paying out 30%. That does not even make sense so I would talk to someone else.

Some things in regards to prices can vary depending on the AGENT doing the paper work.
Seriously. For example, let say you go to ABCD insurance company and request a quote.
You sit there and they type in their computer all the info, deductibles and such. They tell
you it will be $10. Then you go down on the other side of town or the next town over and
get a quote from the exact same insurance company, and they tell you $5. Just using those
low figures as an example.

Major insurance companies can give you a quote but when it gets down to the nitty gritty,
it may be some what different then what they quote you. In other words, no matter what
town or state you go to, it should be the same or very close to the same.

It is better to be over insured than under insured but just keep in mind, most insurance
companies are not going to pay out above the appraised value. This is VERY IMPORTANT
to realize. For example.....

If your house has an appraisal value of $100,000 and you insure it for $200,000, you are
going to be paying twice as much for the policy BUT if you have to make a claim, they are
going to pay out AT or BELOW the appraisal value.

It's not like the old days, in other words, and a lot of people, especially older people, don't
know things have changed. In the old days you paid $100,000 policy and if you made the
claim you got $100,000. It does not work like that today.

Go higher with the policy but not too high. It's better to be over insured than under insured.

Just keep in mind, you do want to base it on the appraised value.

If your house is appraised at $100,000 then take out a policy for $125,000. There is no need
to go any higher because all you're going to be doing is paying a higher premium.

ALSO be sure to know what they pay, if anything, in regards to trees, shrubs. Major insurance
companies do pay per tree/shrub. In ADDITION, major insurance companies will pay for yard
and driveway damage either done by the fire or done by the fire trucks. I had a lot of shrubs
that were destroyed and I think I was paid $250 for each.

All these things add up.

In regards to personal property, same thing. They will devalue it. Here is an example:

Toaster Oven - New Cost $100.00 - Year Purchased 2010 - Your Cost $50.00 - Their PayOut to You $20
So for a hundred dollar toaster, you get $20.

The same goes on the personal property, do not over insure by much because you will not receive
the actual cost for those items. This is why it is very important to make a list now, of all you have,
where you bought it, what year you bought, the cost you paid for it, etc. If your addition comes
to $100,000 in personal property, no point in insuring it for that amount because you won't get it.
You might get half that if you're lucky. Insure it for $75,000.

You want to keep your premiums as low as possible but some what above the values.

tryanythingonce wrote: i can well understand why people give such bad reviews for clixsense it used to be a good place for surveys but now an awfull lot do not credit and i have never heard of anyone getting i credited later

You haven't even been here one year yet and you're referring to some bad reviews?

There's more ways to earn money here than ever before.

In regards to survey routers, nothing different that I can see. It's always been a trial and error feat.

Is it a national known company?

You do really need to be very careful when it comes to insurance with smaller
local insurance companies as well as major corporations.

The best time to know what you are getting into is before something happens.

I had State Farm home owners insurance and every six months the premiums would increase.
Truly I never concerned myself with the increase of premiums because it wasn't a whole lot
each time and also the coverage would increase to my benefit. So that went on year in and
year out for years.

Then when the fire destroyed my house, I was very upset of course. Contacted the insurance
company, the adjuster came out, etc. I really liked the adjuster. He was very nice and seemed
to be helpful. He said from the getgo that State Farm was doing something different now and
over the weeks that followed, explained how they pay out. Well, I didn't think anything of it.
I had enough to do with my working online, building an addition onto my shop to live in, deciding
to rebuild or move, listing everything I could think of in regards to my personal property, costs,
etc. So I never really gave it a thought about what he said 'doing something different'.

I would say that I was pleased with most everything but after all was said and done, it hit
me like a ton of bricks....

State Farm had actually cheated me out of approximately $150,000 dollars and more if one
was to count the $0 living expenses that they should have been paying all along but did not
pay anything.

In other words, my policy was for set amounts. Set amount on house, set amount on personal
property, set amount on shop, etc. The way my policy read, should anything happen, those
were the amounts I was to receive. INSTEAD, I was told I was fine because I was OVER-INSURED!
So everything was estimated and I would say for my personal property I was probably cheated
out of approximately 50 grand in regards to what I had been paying on my policy listing. Same
goes for my house, about a 100 grand less than what my policy stated.

Now listen, my policy was not for a million bucks. It was a normal average middle class policy
for an average middle class house in the South.....which is normally a lot less cost than in the
North.

I can't tell you how long it was before I actually realized they did not pay out according to what
my policy stated. AND if I was OVER INSURED, then WHY did they keep raising my policy and
premiums every six months?

That is the negative I have to say about State Farm because I really do feel like they cheated
me in that respect.

I do have positive though. They did pay for addition I built on to my present addition to my
shop. In other words, I have a shop and a nice little room about the size for a small office that
is attached. When my house was destroyed, I stayed in a hotel locally for about a month and
then they brought in a big RV to live in on my property while the addition was built on. So they
did pay for my living expenses in that regards and they did pay for the cost of the small addition
which was about 30 grand. BUT with that said, they were suppose to! That is part of what my
policy was to cover. But they should have been paying me back for my food too but they didn't.

When you go through something like that, you are so upset and so many things on your mind,
you're just thankful you have the insurance. It's a big relief.

I don't know what you are paying to have covered, your home or your personal property or
both or what. If you have some questions about that, let me know. This is what I suggest:

-Make sure you sit down and read your policy from front to back
-Keep your policy in a safe deposit box or a fire box and at the least, in a jar in your freezer
-Keep ALL receipts of everything you ever buy and put them in a safe deposit box or fire box or freezer.
-Write down all your personal property that is in your home, the cost of it new, the year you bought it, where you bought it and put it in a safe deposit box, fire box, or freezer.

-Make sure your policy covers your 'living expenses' and make sure you know what that consist of:
food and shelter and possible build

-Make sure you know exactly what kind of disasters it will cover. Fire, Flood, Tornado, Earthquake, etc

-Make sure you realize your deductibles and how those deductibles will come off....out of pocket first of minus

Do your research online of the insurance company. See what the bad reviews say. Ask your
insurance company questions. Anything you need in writing, get it.

And yep, certainly shop around.

Some companies like State Farm want their customers to also use them for all their insurance
needs such as auto insurance and give reduction rates on home owners insurance if you have
your vehicles insured with them. Be sure to ask your insurance company about reduced rates
for stuff like that.

Maybe you could talk to businesses in your country and see if they will advertise
utilizing surveys.

Because you know what, that is all it really is about, advertising. Unfortunately
your country does not do much of that online.

For example, surveys are to get information about potential prospects and/or
customers.

All you can do is look daily and try any that you see.

Yes, very good idea to give it a go.

I gave it a go ten years ago and I am still going with it.

HaHa! You sillier than I am.

I installed the toolbar for the first time, was playing with it and my sound was up, the
rooster crowed and I about jumped out of my skin!