Simply Junior

Recently, President Obama made a big speech. He was worried about education standards. He wanted to divert more resources into improving basic reading skills and giving people a better understanding of the world around them. It was interesting to see how many voices were raised in complaint. They did not agree it should be a high priority for people to know more about the world. These are the voices of big businesses like insurance that rely on you not understanding how policies work. There is more profit to be made if people do not read and understand what they are buying. How bad is this problem? The answer comes in a recent survey carried out by the National Association of Insurance Commissioners (NAIC). It seems only 45% of you have any real sense of confidence when you buy insurance policies, more than 60% failed to define simple concepts from health and auto policies, and 86% did not understand the terms being used in the healthcare reform debate. When insurance is so important to financial survival in the US, it is disheartening that people are not making decisions based on the best information.

Here is a quick test:

• if some property is stolen from your vehicle, can you claim its value on your auto policy?
• is your credit history taken into consideration when you buy a policy?
• when you buy a liability policy which insures 100/300/100. what does the last figure mean?

When you want insurance, you could make a policy decision only to buy through an agent. Being able to talk to a person gives you access to their knowledge and experience. It can give you more confidence. Except most agents will charge you a fee or there will be commission deducted out of your premium instalments, so this advice can come expensive. Is it worth it when you can do a little study and learn what you need to know. As a starting point, look at http://www.InsureUonline.org/. Getting more savvy means saving money and getting a better deal by buying a policy online. So long as you shop around, getting as many auto insurance quotes as possible, you should always be able to find a good deal. But, if you are still uncertain, do not be afraid to pick up the telephone before writing out a check or authorizing a credit card payment. Now you make a choice. Your state has a Department of Insurance and all of them run help lines to answer your questions. Alternatively, call the auto insurance company directly. Make sure you understand your policy before you find out the hard way when making a claim. In other words, you should always protect yourself and avoid future losses by asking before you buy.

The answers to the questions are: property stolen from your vehicle is covered by your homeowners policy not the auto insurance policy; your credit score is a key factor for setting your premium rate in the majority of states; and the final $100,000 is the maximum amount payable for damage to property.

Using anxiety and panic agoraphobia chat rooms or forums is an excellent way to gain confidence and support from others in a similar position.

It’s also a great way for someone to ‘get their feet wet’, especially for those who don’t like seeking treatment or going to the doctor. A chat or forum could help convince them, opening the door for improvement.

A Stranger’s Support Can Be Comforting

Support is a very important part of recovery. Support can be in many forms. Obviously, you expect support from family and friends, which is important, but support from strangers in an online chat room can have a major impact.

In fact, sometimes, the impact a stranger’s support in a similar position can have on you may be bigger than support from family and friends.

This is because you may chat with someone who may be worse off than you, not just in terms of their disorder, but in other ways. And you think, “Here’s a person who made progress under great difficulty. Surely I can too.”

By joining a chat room and sharing, you also receive valuable tips and advice from others. You can take heart from their successes and apply it to your own position.

You may also have something to offer to others. Just because you may be hurting right now, don’t underestimate your own strength and courage. You may have words of compassion for someone else, deeply touching them.

A Chat Room Can Be Fun & Educational

A chat room is also a great way to make friends, wherever they may be in the world. Who knows, when some of you recover enough, there is always the possibility of setting up a meeting, face to face!

You’ll probably have to register before you can join in, but that’s pretty normal. A chat room will be a good learning as well as giving experience. It can be something you look forward to, whether on a daily or weekly basis.

Remember that when you’re using anxiety and panic agoraphobia chat rooms or forums, try not to take anything without first speaking with your doctor. Also, try to be familiar with the chat rules.

Here are some resources you may want to check out which could prove useful for you:

http://www.phobics-awareness.org/chat.htm

http://panicdisorder.about.com/mpboards.htm

http://www.panicsurvivor.com/

Just look around and explore or dive right in. If anything makes you feel uncomfortable, all you have to do is click exit. However, try to hang in there and give it your best shot.

It’s great because you have this ‘wall’ put up before you, and so has everyone else. There’s a little bit of security in that. If you have social anxiety, this is a good way of slowly getting to know others as they encourage you.

Just be yourself. These are people who understand. These are people YOU understand. So relax and use it to the best of your ability. You may even have fun!

As a wholesaler from China, I have many chances to see all sorts of scams from handbags to electronics. They are exposed by angry victims in business forums, blogs and even websites dedicated to Chinese scams. Reading them surely doesn’t feel good, not to say a lot of content sways from the wholesale topics to a pure hatred to the Chinese.

Scammers are obnoxious, but they are just a fraction compared to the legitimate ones. Their existence won’t dent the overall confidence of wholesaling from China. And more importantly, they are easier to spot and get rid of than you think, with this guide.

Check Reviews & Exclude Proven Scammers

What does your wholesaler look in the eyes of other buyers? Sometimes one thing that has happened to your wholesaler is enough to rule it out forever. You just need to take several minutes to find if your supplier has any priors.

The tip is to make a search on Google with the wholesaler’s business name, domain name, email address (prefix especially), telephone or cell phone number and other uniquely identifiable information. The aim is to see if your wholesaler has appeared or involved in any complaints, scam lists, and other negative conditions.

It should be mentioned that a legitimate company isn’t equal to that it should be of zero complaints.  You need to make an analysis about each of your supplier’s cases, to make sure whether it’s of scam nature or just due to an unsatisfactory product or service, though wholesalers of the latter case are often not comfortable to work with too.

You are lucky if your wholesaler has been proven in a scamming activity. But most times no such confirmation is available. On the one hand, new wholesalers emerge like mushrooms these days, too rapidly to get reviewed; on the other hand, bogus websites are created faster than they die out. A latest listed scammer you have discovered is often out of date. So it rarely happens a wholesaler you are talking with has already been listed. In fact, you may be shocked to know a fake company could set up hundreds of websites in order to maximize their victims.

Checking reviews won’t help you decide right away which wholesalers you should buy from, as it calls for further evaluation to choose your business partner, but it gives you clues which wholesalers you should dismiss.

Examine Wholesale Websites

Check the following indicators of your wholesaler’s website. When isolated, they may not mean anything. When coming together, however, they should ring some alarm bells.

1) Is it an independent site or hosted on another website?

If the wholesaler is hosted on another site, like free space, and B2B portals such as alibaba.com, try to track down its own website. If you can’t find the wholesaler’s own web presence, leave it.

Many would trust wholesalers or suppliers on B2B portals and take it for granted all suppliers on these portals are trustworthy simply because these portals are real. Not like that. B2B portals are the most abused web resources by bad guys, especially the second-tier B2B portals, which have almost become the hunting grounds for scammers. Don’t trust recommended companies or products on those sites too. The status of these listings is bought with money, not earned with their quality.

Whenever you get a wholesaler on a third party, never stay there or try to send an inquiry. Instead, you should try to find the wholesaler’s own website. If you can’t track it down, drop it.  Don’t waste your time.  You have to make your purchase 100% secure.

2) Look at the Website Name

Cheaters look like cheaters. Though the name of a website doesn’t decide the nature of the company, there’s something in the domain name.

Several types of domain names should call your special attention:

1) domain names that contain numbers;

2) domain names that are meaningless;

3) domain names that sound too big or sound like hype; and

4) domain names that pretend to be official.

The following domain names are from a scammers list:

1st-phones.com

16988.cn

adidas-nike.net

3seal.biz

5y8l.com

bag-trading.com

super-electronics.com.cn

shopping-kingdom.com.cn