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Insurance adjusters may be employed directly by insurance companies or they may be self-employed and work for a variety of companies or the public on a case-by-case basis. They may also work on general insurance claims or they can specialize in specific areas of insurance.

Staff Adjuster

In industry parlance, an adjuster who works directly for an insurance company as a salaried employee is known as a “staff adjuster”. They represent only the interests of the insurance company they are employed by and its clients. When recruiting for staff adjuster positions, insurance companies tend to show preference for those who have completed some university or college education, or for those who have worked their way through the ranks of the company and acquired a detailed knowledge along the way.

Independent Adjuster

An independent adjuster is a self-employed contractor who is typically hired by and adjusting firm who is inturn hired by insurance companies to handle claims on a case-by-case basis. Reasons an independent adjuster might be contracted could include that the volume of work is more than can be handled by the staff adjusters, a claim might require specialized knowledge in a specific area, or they might be located in or able to travel to an area where the insurance company has no staff adjusters available. Independent adjusters are also very much in demand in the period following a natural disaster or catastrophe.

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Public Adjuster

A public adjuster differs from staff adjusters and independent adjusters in that they represent the rights of the policy holder rather than the insurance company and are much less common. Their duties can range from helping policy holders to fully understand the legal wording of their policy documents to negotiating with insurance companies on …

When you get pregnant, a lot of changes will take place inside and outside your body. Most of the changes that take place on the outside are usually annoying and no one welcomes them. One of the changes is occurrence of varicose veins. Why does pregnancy cause varicose veins? One of the main reasons why pregnancy causes varicose veins or makes them worse is because of the growing belly. As the belly grows during pregnancy, it puts a lot of pressure on a lot of organs in the body. The veins that transport blood through the body will also be strained which leads to pressure. It is this pressure that leads to the formation of varicose veins.

As the uterus gets bigger during pregnancy, it puts pressure on the inferior vena cava. This leads to the vena cava putting pressure on the veins that lead to the legs. During pregnancy, the volume of blood in the body usually increases. This also adds more pressure to the veins that lead to the legs. The walls of the veins that bring blood to the legs usually relax when they cannot keep up with the pressure on them this usually leads to the formation of varicose veins on the legs.

Varicose veins have been found to be hereditary by researchers who have carried out research. If your mother and grandmother developed varicose veins when they were pregnant, you have high chances of developing the varicose veins too. If you are overweight, you will also have very high chances of developing varicose veins when you get pregnant. Mothers who are carrying more than one baby during pregnancy usually have high chances of developing varicose veins because of the weight and the increase of pressure on the inferior vena cava. If this is not your …

Behavioural changes and bad attitude- Behavioural changes and a bad attitude is without a doubt a sign of a cheating spouse. Increased irritability and general fighting fits are greatly and very successful methods employed by cheating spouse to get into huge arguments with husbands or wives in an attempt to get away from the home and to his or her lover for mostly sympathy, attention and sex. A spouse choosing to drive away instead of discussing the problems is a sure-fire way to know that he or she is on their sweet way to the new or old love. Following them will be the best solution but use someone else’s vehicle or hire an investigator to do it for you. Activities at home or in the family may also suffer neglect as the wife or husband has lost total interest in routines and life with the family.

Ring ring- Calls answered in a whispering tone as well as constant inbound or outbound calls outside the house or behind closed doors requires your immediate attention. Investment in an extra cell phone may be made for the purpose of staying in touch with the other person as regularly as possible. This extra phone will usually be hidden away in a car.

Clean-cut looks- Sudden changes by the spouse to neat, tidy and absolute clean-cut look should make you at least a little curious as to what the reason for the sudden change is. Too regular shaving of legs, pubic, arms or face increased usage of perfume and aftershave are some signs to look-out for.

Peculiar charges- Peculiar charges on a spouses’ credit or debit card statement should be carefully investigated. Your budget may also get smaller as substantial amounts of cash is spent on gifts, account payments etc for the other person.…

As we get older, many of us wonder how to stop hair loss. We might notice more hair in the shower drain or in our brushes or combs. It’s natural to want a full head of hair; hair loss and thinning doesn’t have to be part of growing older. Did you know that even children and young adults can experience excessive hair loss? Fortunately, there is something you can do about it!

Why am I Losing my Hair?

The normal cycle of hair growth depends on healthy follicles and good blood circulation to the scalp. However, there are many conditions and circumstances that can disrupt the growth of a healthy head of hair.

The stress of illness or surgery can cause hair to fall out as can a hormone imbalance. And overactive or underactive thyroid can cause hair loss. Medicines that treat heart problems, gout, high blood pressure and depression can make you lose hair as can birth control pills and blood thinners.

The way you treat or style your hair can also cause hair loss. Styles like cornrows and tight pigtails can stress follicles and cause hair to fall out. The chemicals used in permanents can scar your scalp and destroy hair follicles, as can hot oil treatments.

Hair loss is also caused by diseases like lupus or diabetes, diseases you may not know you have. This is why it is so important to see a physician to determine why you are losing your hair. It could quite possibly save your life!

Medicines that Stop Hair Loss

Finasteride, marketed as Propecia, is available by prescription only. It is intended solely for men due to its harmful side effects for women. In fact, pregnant women are cautioned to avoid even touching this medicine. Users of Propecia may not notice results …

Bartending Supplies – The different supplies you need as a bartender

Since you have decided to learn how to become a bartender, you have responsibilities which include looking after the bartending supplies. If you are employed in one of the best bars in town, it is a fact that it has a well-stocked bar with all the tools and bar equipment you might need to create a drink. As a bartender, you should have a good knowledge of beverages and drinks and knows how to mix drinks accurately. Aside from knowing about the various drink recipes and being able to create new recipes yourself, you should be able to maintain a clean bar area. It is also your responsibility to keep an inventory of liquor and other bartending supplies. As your bar area should always have the bartending supplies on hand such as a wide variety of alcohol and mixers, garnishes or condiments, you should maintain a good inventory of things.

What bartending supplies you need

When you were still studying at a bartending school, you were taught about the different bartending supplies that you will need in your profession. The most important item on the list of bar supplies is the alcohol since you cannot mix a drink without it. When stocking a bar, make sure you have all types of alcohol – liquor, liqueurs, beer and wine. Liquors include bourbon, cognac, gin, vodka, light and dark rum, rye, tequila, Scotch whiskey and vermouth while liqueurs are amaretto, Bailey’s Irish Cream, crème de cacao, crème de cassis and crème de menthe, as well as brandies, Kahlua, sherries, etc. You should have a variety of beer (light or draft) and red and white wines handy too.

Alcohol and other bartending supplies

When preparing these drinks, you need bartending supplies …

Basement Ceiling – Tips, Ideas and Options

When it’s time to finish a basement ceiling it is important to understand the finishing options that are available to be sure the correct materials are used for your home. In this section we will look at the options for finishing a ceiling, insulation options, and some ceiling ideas to customize your space.

Options

The primary options for finishing the ceiling of a basement is to use either drywall or ceiling tiles. With drywall, the result is a ceiling that has the same appearance as the upstairs, providing a uniform look to the house. Benefits of a drywall ceiling include the fact that it may be textured to match the rest of the house and it may be painted any color you like. Another benefit is that drywall is installed to the floor joists, or just below them on spacers, which means there is very little headroom lost. This leaves you with the maximum amount of height in the finished room. One disadvantage of a drywall ceiling is that drywall is very heavy and difficult to install. In addition, there is added time and cost of finishing, adding texture, and painting the ceiling before the job is done. The primary disadvantage of a drywall ceiling is that there is no access to the utilities in the floor joists overhead. That means a small problem like a leak in the bathroom upstairs will result in a time consuming and expensive repair. Ceiling tiles are used by first installing a track that hangs just below the floor joists.

This track is installed with the proper spacing so that the ceiling tiles may be simply dropped into the grid. There are some great benefits when using ceiling tiles. The first is that tiles provide easy access …