Insurance Claim – What Are They?

Your insurance company provides this application to you so you can apply for benefits on your insurance policy whether it is a life, auto, or health insurance. You must file a claim before any money can be paid to any contracted service like a hospital or repair shop for your car. When you file insurance claims the company, based on their evaluation of the situation, may pay the claim or they may not.

When you take out an insurance policy, you must continue making monthly payments to the insurance company. These are called premiums. Generally, these premiums are used to increase the available assets of the company or to settle another person’s claim. Occasionally an accident will happen that can cause financial damage like a tornado, automobile wreck, or work-related accident. When this happens, the injured policyholder can file an insurance claim to receive money from that company.

When filing an insurance claim you will file it with a local agent that works for the company and they have the responsibility to instigate the specific details of the claim. Then the agent negotiates the payment from the main insurance company. Many times a recognized authority such as a repair shop, building contractor, or medical professional can file the necessary forms with the insurance company directly. If another party has agreed to pay for their mistake out-of-pocket or the damage is minor, the policyholder may not want to file an insurance claim.

Once an insurance claim is filed the insurance company usually has an appraiser or adjustor without bias evaluate the damage and determine if the estimates for repair the policy holder got are realistic. This can help prevent fraud by companies who inflate their estimates so they can get additional compensation. Most insurance companies will accept the appraiser or adjustor’s valuation as the last word. There are some insurance claims may not be paid for many reasons. Some of these reasons can include:

• The claimant’s premiums have not been paid each month and they are behind
• Policy may be inactive
• Another insurance company may have agreed to pay for the damages that were listed in the insurance claim. This happens often in car accidents where one of the parties is held responsible for the accident.
• Failure to not be under the conditions that are covered because most insurance policies specify specific areas that qualify for benefits
• If the damage or accident claim was an unavoidable “Act of God” or caused by carelessness your insurance company has the right to withhold payment.

The only way to apply officially for benefits is to file a claim. Until your insurance company has assessed the claim, it will remain as that and not a payout.

This article is penned by Lora Davis for Insurance Claim Recovery Support. If you have claim property in Texas and need the help of experienced insurance claims adjuster then look no further than Insurance Claim Recovery Support. To speak with the best Austin public adjuster call 855-203-2226 or 512-904-9900.

Article Source: http://EzineArticles.com/expert/Lora_Davis/2146280

 

Nano Machines

Nanomachines are devices that range in size from the smallest of MEMS devices down to devices assembled from individual molecules. This section briefly introduces energy sources, structural hierarchy, and the projected future of the assembly of nanomachines. Built from molecular components performing individual mechanical functions, the candidates for energy sources to actuate nanomachines are limited to those that act on a molecular scale. Regarding manufacture, the assembly of nanomachines is by nature a one-molecule-at-a-time operation. Although microscopy techniques are currently used for the assembly of nanostructures, self-assembly is seen as a viable means of mass production. In a molecular device a discrete number of molecular components are combined into a supramolecular structure where each discrete molecular component performs a single function.

The combined action of these individual molecules causes the device to operate and perform its various functions. Molecular devices require an energy source to operate. This energy must ultimately be used to activate the component molecules in the device, and so the energy must be chemical in nature. The chemical energy can be obtained by adding hydrogen ions, oxidants, etc., by inducing chemical reactions by the impingement of light, or by the actions of electrical current. The latter two means of energy activation, photochemical and electrochemical energy sources, are preferred since they not only provide energy for the operation of the device, but they can also be used to locate and control the device.

Additionally, such energy transduction can be used to transmit data to report on the performance and status of the device. Another reason for the preference for photochemical- and electrochemical-based molecular devices is that, as these devices are required to operate in a cyclic manner, the chemical reactions that drive the system must be reversible. Since photochemical and electrochemical processes do not lead to the accumulation of products of reaction, they readily lend themselves to application in nanodevices. Molecular devices have recently been designed that are capable of motion and control by photochemical methods. One device is a molecular plug and socket system, and another is a piston-cylinder system. The construction of such supramolecular devices belongs to the realm of the chemist who is adept at manipulating molecules. As one proceeds upwards in size to the next level of nanomachines, one arrives at devices assembled from (or with) single-walled carbon nanotubes (SWNTs) and/or multi-walled carbon nanotubes (MWNTs) that are a few nanometers in diameter. We will restrict our discussion to carbon nanotubes (CNTs) even though there is an expanding database on nanotubes made from other materials, especially bismuth.

The strength and versatility of CNTs make them superior tools for the nanomachine design engineer. They have high electrical conductivity with current carrying capacity of a billion amperes per square centimeter. They are excellent field emitters at low operating voltages. Moreover, CNTs emit light coherently and this provides for an entire new area of holographic applications. The elastic modulus of CNTs is the highest of all materials known today. These electrical properties and extremely high mechanical strength make MWNTs the ultimate atomic force microscope probe tips. CNTs have the potential to be used as efficient molecular assembly devices for manufacturing nanomachines one atom at a time

The author also writes articles on “Innovative Electronics Ideas”
http://www.innovativeeideas.com/

Article Source: http://EzineArticles.com/expert/Rahul_R/2144624

 

The Story Behind the Women’s Marches

We are riding humongous waves of change. Will we lovingly flourish or drown in fear and hatred? We can evolve and be part of the change, or we can watch our world collapse.

Many of us chose to be here to witness and be a part of the changing of paradigms. A changing of the guards from the 1% white patriarchy based on fear, to a new reality built on beams of love guarding the rights and freedom for all.

The Vision of the Brave and the Bold

We have prepared for these times of crisis, chaos and upheaval. This is the time to shine your light. Many individuals, each a pillar of light, spread across the globe, shine hope, vision and love. Stand strong. Unite with the essence of your soul, your inner truth. Dig deep; wrap your roots around your inner wisdom.

We are in the midst of the birthing pains of a new reality and a new humanity. Worldwide we are witnessing an inner revolution, the revolution of the feminine in all her glorious forms. The feminine resides in everyone, both male and female.

The low frequency of fear, hatred and corruption is belching around the world. Camouflaged in the illusion of peace and freedom, the crass, unscrupulous greed and war underbelly of the old patriarchy, that has been present for millennia, is exposed. Uprisings of people are bubbling up, demanding the higher frequency of equality, freedom and justice. On a global scale women haven’t had freedom for thousands of years.

On January 21, 2017, about five million people peacefully protested in 673 marches on seven continents, unified in action to bring about world change. I know from living through the revolution of the 60’s and 70’s in Berkeley, CA, that external action is not enough. The action also needs to take place within.

On the Cutting Edge

Listen to the rumbling in your guts and the fury erupting from within. Employ your anger for inner transformation. The power of raw rage, when mixed with love and gratitude, used as an internal rotor-rooter, strips away everything blocking your brilliance. The awakening of humanity is happening in your body. Weird physical symptoms attest to the inner transformation that is taking place. That which is rooted in fear topples. The advanced paradigm is grounded in your own inner truth, not the fake lies of outer influence. What you stand for is seen and honored.

Don’t loose hope. Your brilliant essence knows the path for you. We each have a part to play to reach critical mass, the tipping point for humanity. Each of our tasks is completely different, hidden within, waiting to be discovered and acted upon.

Joy, love and delight are the guideposts to the new day. Watch for miracles, new undreamed of possibilities and showers of love.

Now is the time we have been waiting for!

It’s easy to be knocked off course, to extinguish your torch if you are not firmly rooted in inner Truth. Your inner Truth is not something imposed by an external person or structure; it is imprinted in your soul essence.

At times it seems futile, never-ending and hopeless. Even though you may feel you are in the minority, your love is powerful. The power of love is stronger than the disharmony of fear.

Currently the human condition is dictated by the low frequencies of fear, greed and hatred. We are building something that has never been constructed before. It does not take everyone on earth to establish radical awakening. A small-dedicated group of people, each person firmly united to her or his light, joining with each other are enough to change the tide from fear to love. An accumulation of acts forges dynamic change.

Since the 60’s I’ve been watching beacons of light multiply around the world. We are nearing critical mass and breakthrough. The light structure has grown, interconnected and strengthened. The higher frequency is palpable. Planetary quickening is occurring. Luminous threads, streams of long light weave around the globe, sustaining a new reality based on love. Individuals, each one a pillar of light, send out energy lines, building the unseen framework of the new existence. Every small action fortifies this global network.

Imagine a network or gridworks built of streams of love that support an awakened reality. This is not some woo-woo fantasy. I remember when the Internet and cell phones were dreams beyond comprehension. Like the unseen energies of the Internet that connect us all, we are generating a sustainable paradigm based on love, where everyone is honored and respected.

Stand Up and Connect

Each person carries a piece of the new paradigm; it’s not a top-down system like patriarchy where the 1% dictates the accepted reality. It’s a puzzle made up of unique individuals. Help build a new existence and then stand back and look at your creation. Is it something you love with all of your heart, or is it tarnished with judgment, greed and fear? This light structure, beyond the known, is original for each person.

This is not a solo project. We are each a different piece to the puzzle. Bring your amazing vision into form. The only way we will succeed is by supporting and helping each other. In this new reality we all win, we all succeed. In the old paradigm success is dictated to look a certain way. Wall Street, Madison Ave. and politicians understand fully how to influence your unconscious and run your life without your cognitive awareness. Until you change, 95% of your life is run by your unconscious.

But, what if the media’s idea of success isn’t what your heart and soul wants? What if your idea success is to enjoy, savor every luscious second, and take pleasure in each morsel of life? Is your whole body thirsting for more, not the shallow momentary fulfillment of consumer goods, but more delight, connection with others, pleasure and deep satisfaction? Reconnect to your secret, powerful inner wisdom. Claim your power. Speak your truth. Open to receive love and abundance. Embody your pleasure.

Deep Roots

In order for your pillar of light to be sustainable, it needs to be rooted through the depths of your unconscious fears. Love your fear to death and unite with your essence. You can’t topple over when you are firmly established in the divine essence of who you are.

Your body may require new wiring to consistently link your brain, heart, power, intuition and pleasure with your essence. Otherwise, what you put out in the world keeps collapsing or is sustained through effort and struggle, rather than ease and delight. Frozen roots, like neural patterns frozen in fear, are not sustainable. Firmly plant your neural pathways and inner structures in your own soul essence.

When your outer manifestation reflects the inner connection with your true essence, the light of your soul glistens through everything you do. It shines through your unique life, the life that only you can live on this precious earth. Your joys and sorrows, footprints on the earth, create this reality.

The REAL DEAL

Many of you chose to be here at this time to participate in co-creating a new world. For years you have learned and prepared. Don’t be fooled or coerced by the tide of fear. Your light and feminine intuitive power are extinguished by fear. The old paradigm is grasping and gasping, doing everything in its power to continue.

You ARE the Change!

The world needs your audacious dreams. Uncertain times call for daring gestures. Full body connection rather than mental conjecture leads to wondrous results.

The more neural pathways exposed to your dreams and actions, the greater the manifestation. Each neural connection brings life-giving energy to your project, hopes and ideas. How many layers of love, excitement and pleasure do you allow yourself to experience?

The world is waiting for your love, passion and vision. Are you read to make a difference? Join the New Paradigm Leaders Program today! http://radianceproject.org

Dr. Cynthia Miller is a transformation expert. She received a Ph.D. in the Psychology of Change and Cellular Transformation in 1985. Dr Cynthia has spent over thirty years working with thousands of people, assisting them to live in greater prosperity and joy.

Dr Cynthia has developed e-courses to help women step into their power. For cutting-edge processes visit http://radianceproject.org/

Article Source: http://EzineArticles.com/expert/Dr._Cynthia_Miller/178910

 

Reason Why If You Believe in Yourself, Anything Is Possible

How many times have you wanted something but failed to reach it? Have you tried believing in yourself before achieving the very thing you wanted badly? How does it help? Read on for insights.

Anything you want is already inside you. You just need to manifest it. Now the easiest way to manifest it is by believing in yourself and taking daily actions towards it.

That way your energy aligns with your Higher Power and reaches out to the mighty COSMOS which aligns with your energy and sends you back signals, resulting in manifestation of the very thing you desired earnestly and that very desired element gets delivered to you, provided that you stay detached after letting the Universe know your intention.

Believing in yourself, when nothing else works or the people around you are unsure whether you will ever get your desired element, is often the sole solution.

I myself have tried this technique several times when everything else seemed bleak and dark and I found that it always worked. It is that powerful I should say.

As it goes, the word “Impossible” says “I’m possible”, therefore there is nothing impossible in the world. Anything you want or desire badly is sure to manifest only if you can gather up all the courage to believe in yourself.

Once you have manifested on a small scale your desired element, you can start trying bigger stuff in the same way. That is because the way you do little things, you do big things. In this case, you just believe in yourself.

People will be astonished at how fast you achieve your desired elements and hence would like to know your secret. Tell them simply: Believe in yourself and it will work wonders.

From time to time, God, the Almighty will test you and knock you down hard. But in that case as well, never stop believing in yourself and everything will start to fall together once again.

I have had so many low times, disappointments and subtle challenges in my life. But I bounced back again and again just by simply believing in myself and achieving what I desired.

The magical power of believing in yourself is that great because that makes anything possible for you. Now that I have demonstrated and exemplified it, why don’t you give it a shot and try it? See how it goes. I believe it’s worth the effort.

Rosina S Khan has authored this article highlighting the magic of believing in yourself and achieving what you desire badly.

For a wealth of free resources based on stunning fiction stories, amazing self-help eBooks, commendable articles, quality scholar papers and valuable blogs, all authored by her, and much more, visit http://rosinaskhan.weebly.com. You will be glad that you did.

Article Source: http://EzineArticles.com/expert/Rosina_S_Khan/2054435

 

Oroville Dam Disaster

In Mid-February of 2017 we watched videos on TV and online showing just how bad our crumbling infrastructure in the US had gotten. In fact, the tallest dam in the United States had a failure of its main spillway, something that could have been fixed inexpensively turned into cost of 100s of millions of dollars in very short order. Indeed, now some are questioning if the dam can make it through the winter rainy season without total failure – which if it occurs it will be the biggest disaster in US History, with potentially the most lives lost as well.

Before I get into the “blame game” which everyone these days loves to do, let’ consider what could happen?

If the emergency spillway collapses, a 30-foot wall of water would come rushing down and further erode the hillside. This would be more enough to take out levees downstream. Further, even though minor repairs are taking place, and the crippled system has made it through one storm, more are on the way. First responders from all over California are on their way to mutually assist, in fact a personal friend was dispatched to up North to help in case of a dam collapse.

During the next storm it could happen and all the water flows into the lake, and don’t forget the snow melt is coming in a couple of months. This is what happens when leftists spend money on social programs instead of what’s needed. The CA legislature didn’t let The Governator fix the levees and infrastructure – now everyone in CA pays, disaster could rival Katrina – and then there is the summer with no water for CA. Damn bureaucrats and leftists – this is totally on you.

Our think tank was trying to figure out ways to save the spillways and the dam, and here is what we came up with: they need 100 48″ hose-like pipes that are 1/2 mile long to syphon water out over the erosion problem by the emergency spillway and over the normal spillway failure area. That would work, if they do it now, then they can get the dam down to 80% in 1-2 weeks, thus, averting the future crisis of snow melt, and the next few storms. Hopefully this cold storm will cause snow not rain above dam?

That area near the end of the emergency spillway by the parking lot looks scary, nothing holding anything back and will erode quickly upon capacity, undermine emergency spillway, meanwhile the normal spillway is slowly eroding backwards towards dam, so it could be a no-win situation if the rains keep up, and without time to fix before major snow melt – this will be a tough and scary go until summer. Doesn’t look like a tenable situation. No offense to all the optimists here, I hear you, I’d love to be with you, but evidence suggests otherwise.

Lance Winslow has launched a new provocative series of eBooks on Innovation in America. Lance Winslow is a retired Founder of a Nationwide Franchise Chain, and now runs the Online Think Tank; http://www.worldthinktank.net.

Article Source: http://EzineArticles.com/expert/Lance_Winslow/5306