Importance of Family in Our Life

Family is very important part of our everyday life. It helps us in improving our personality. It also helps us in shaping our life. It teaches us the value of love, affection, care, truthfulness and self-confidence and provides us tools and suggestions which are necessary to get success in life.

Family is a place where you can be yourself. It is a place where you are accepted for what you are. This is where you are completely tension free and everyone is there to help you. Family encourages you when you are surrounded by problems. It helps you survive through tough times and bring joy and happiness into life.

Decency is very important in the communication of daily life. It helps us make strong relationship with others and make us come across as a very gentle, intelligent and likable person. Everyone loves to be in a company of such person. Family helps bring decency into our life which is necessary to lead a happy life.

One of the most important aims of our life is to build a successful and highly rewarding career. Our families help us in creating a strong future. It gives us valuable suggestion about different career prospective. It not only guides us in choosing the best but also financially helps us to cover the expenses of education. Thus it helps us in making a good future.

The importance of family is probably realized when one went to holiday or celebrate an occasion without family members. It was very hard to celebrate an occasion or went to holiday without being surrounded by family members. At that time probably we realize that how important they are to us. At that time, we came to know about the importance of our families.

Today, most people don’t realize the importance of family. They prefer to spend most of their time with their friends. But when they are surrounded by problems, it was their family that helped them get rid of problems. At the time, when even our best friends refuse to help us, it was our family that came to help us. So it is very important for each and every individual to give importance to their families above anything else and enjoy spending time with family members.

7 Questions to Ask Before Booking A DJ For Your Wedding

Scouting for an amazing disc jockey (DJ) for your wedding is not a stroll in the park since there are many things to put into consideration. However, before booking that DJ, he must be able to provide appropriate answers to the following questions in order to prove his competence.

1. Are you a full-time DJ?

It is important for you to know that the DJ you want to hire is not just a one-dimensional part timer who may not owe enough time to the job. He must be involved on a full-time basis with quality experience that cuts across various events. He must be a true performer that can handle tough audiences without stress and satisfy them.

2. How do you treat song requests?

You should engage a DJ that understands how to strike a balance between couple's song requests and those of the guests so that both parties are adequately satisfied.

3. How do you customize the music experience for each couple?

He should be able to provide a soundtrack for your wedding which is dependent on your taste, style and vision for the day. He should be able to willingly accept your must-play and do-not-play lists because you are supposed to be in control of the music that will be played on that day.

4. Can I hear some samples of mixing and blending of different tracks?

He should be able to blend between songs harmoniously to the point that you may not even be aware of it. There should not be artless silence between songs as this will make your party to be boring.

5. What sound equipment do you work with? Do you have back-up?

The equipment that a DJ makes use of is as important as musical instruments. His turntable, microphone, mixer, computer, etc., must be up-to-date in order to reel out the best mix for your party. It is also important to have back-up equipment to guard against unforeseen circumstances.

6. How do you get the crowd pumped?

DJs have a lot of baits to encourage guests to take on the dance floor. You can request for a video of past performances in order to gauge the skills of the DJ you want to hire in entertaining guests.

7. Why should I choose you as my wedding DJ?

Providing a satisfactory answer to this question will go a long way to prove that you are about to hire a competent DJ. He should be able to tell you what makes him unique in the industry and this will assist you in making a vital decision that will make your wedding successful.

55 Creative Entertainment Ideas For Your Next Event Or Meeting

1. Hire a comedian who can poke some fun at your CEO, do an impersonation of him, or even make a light of your industry as a whole.

2. Hire a magician that can incorporated your sales message into his magic, or cut your CEO or receptionist in half. He might even be able to vanish the CEO, much to the delight of the employees.

3. Book a vocal improvement group to take requests and spin them into a funny performance.

4. Have a musician write a song about your company and play it at the event.

5. Hire a celebrity impersonator to come to the event and sign autographs and take pictures with guests.

6. Book a caricature artist to draw personalized sketches of each employee at the company. These are fun souvenirs as well.

7. Book a digital caricature artist who composes his or her photos digitally on a computer right in front of your eyes. They can even personalize the backdrop to reflect the company
or event. This is a great souvenir for the guests to take home.

8. Book a balloon artist that makes the life size figures such as Disney characters, scenery like palm trees, huge company logos, and more. The balloon artist can do these figures with everyone watching making it an experience to watch the balloons being put together.

9. How about a strolling juggler who can mingle through the cocktail hour.

10. Book a stilt walker to make a big announcement for your company at an annual conference or meeting. It is a fun and guaranteed way to get everyone's attention.

11. A clown is a great option for events with children or families. There are also evil clowns for events with no kids or around Halloween.

12. Book a palm reader to make psychic predictions about the future of the company or to tell people's fortunes.

13. Hire a reality TV star to interact with guests. They are far less money than big time Hollywood celebrities.

14. Book a tribute band to play the songs of an artist that is popular among the guests.

15. An a cappella group can perform on stage or stroll through the event during a cocktail hour or dinner.

16. Hire a symphony orchestra to play at the event. You will need to consider space requirements for this type of an act.

17. You could have a mime act out a corporate message to employees or event customers.

18. Book a DJ to play only requested songs or songs from a certain era such as the 80's

19. Break dancers can be lots of fun. They are generally young, hip, and add a sense of youth to an event.

20. How about a mariachi band for some festive music.

21. A steel drum band can be a nice addition to a high end gala event.

22. Booking a fire eater can be a great way to kick off the launch of a hot new product or service.

23. Carolers can be nice addition to any holiday event.

24. A living statement can be a great idea for almost any event. Make sure you ask for a living statement that matches closely to the theme of your event or meeting.

25. Booking a cirque act is a great idea when the event needs something remarkable or to get a buzz going. Make sure you can accommodate for the space some of the cirque acts require.

26. A snake charmer is a unique way break up a meeting or attract a crowd at an event.

27. Hire a mentalist to read the minds of the guests. This is creative way that the performer can interact with the audience.

28. How about an ice sculptor who can sculpt the company logo or a corporate message live while people watch it being carved.

29. Acrobats provide a purely addition to an event.

30. Singing waiters are an a cappella group dressed as formal waiters. This catches guests off guard and is an offbeat way to infuse entertainment into the dining experience.

31. Ballroom dancers can be popular with all the dance themed TV shows like Dancing with the Stars and others.

32. A barbershop quartert is an a cappella group where all the members wear red and white costumes, similar to that of a barbershop pole. This has a nostalgic feel to it.

33. Dueling pianos are a fantastic way to get the audience involved with nonstop entertainment

34. You could have your employees put on the entertainment by having a talent show and getting everyone in the company involved including the CEO. You will want to record this so everyone can watch it later on, or you may even want to send them all home with a copy, or mail it to them afterwards. You could also post them on YouTube for all to comment on.

35. A marching band can be an official way to introduce somebody special at the event. It can also be a way of showing that the company does not take themselves too seriously if they book a fun themed marching band.

36. Book the 60 second novelist. He comes with his own table and a manual typewriter and requests guests a few questions to get a sense of who they are, and he types out a short life story in one minute. He even binds it so guests can take it home. The story is funny, imaginative and true. This is a fun way to get people to open up and share their stories and get to know each other.

37. Face painters are a neat way to entertain the youngger kids.

38. A choir can be a nice way to make a grandiose statement.

39. How about an opera singer for a classy event or gala.

40. A graffiti artist that can create a painting of someone or something with a large crowd watching. Some artists do this type of thing super fast, making it intriguing to watch.

41. Book hula dancers to mingle on the dance floor with guests.

42. How about Polynesian dancers to inject a unique culture into the event.

43. A ventriloquist can be a great entertainment choice that can play well for kids or adults depending on the performer.

44. Hire a dynamic storyteller who can weave a message about the goal of the event or meeting.

45. An escape artist is a dramatic way to convey messages such as, escaping or breaking free of limiting beliefs and constraints. This can be a nice way to motivate employees to achieve a goal.

46. ​​Booking a hypnotist can provide a serious element or a comedic one.

47. A rapper could perform a comedic rap specifically written about the company. Some rappers can even improvise this on the spot.

48. A puppeteer is another option for youngger children to keep them entertained.

49. Hire a sword swallower to attract the crowd or if it fits into the theme.

50. You can always hire a real Hollywood celebrity to attract the attention and buzz you need or try booking a couple of smaller celebrities to make better use of your funds and get more celebrity drawing power.

51. You might want to book a political impersonator that is popular such as Sarah Palin or Barack Obama.

52. A harpist can add a light musical touch without loud music. This would be nice for a laid back, high end atmosphere.

53. How about having multiple celebrity tribute artists on stage performing a bunch of hits songs from the various artists they impersonate.

54. Have a stage where different executives from the company do karaoke for a variety of songs.

55. Finally, the best way to guarantee a creative entertainment experience is to have the performer or performers customize their actions to your event or meeting. This creates a memorable experience guests are sure to remember for a long time.

Some Things Your Car Insurance Company Won’t Tell You

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the exact date you want to end the coverage. The statement is clear enough; in other words, it says consumers have to notify their companies when they want to cancel their policies. However, consumers often think that when they ignore the last bill before renewal, the company will automatically end the policy. Too bad, this is not how it is done. People can forget and deliberately miss a bill, and the company totally understands that. After this first missed bill, your insurer is going to send you one more bill for premium payment; if you don’t pay the bill, you will be cancelled for non-payment, and the record will hurt your credit score.

What you should do when you want to cancel auto insurance policy is to let the company know that you are canceling. Please make sure that you provide a specific date; it helps you avoid being totally uninsured for a certain period, time, term. The cancellation request will be sent to you, and all you have to do is to put your signature. It is recommended that you carefully check the document before signing it. Some companies may require you to provide valid proof that you indeed have another coverage before they can approve the cancellation. If you’ve financed your car, the dealer needs the updated policy information because valid proof of insurance is required in the purchase contracts.

Credit history still matters

The use of credit information to determine approval and premium rate is still common, despite the fact that some states already started to ban such practice. Some (if not most) companies use the credit history to generate risk score. They believe that it strongly linked or correlated to the likelihood of the consumer reporting a claim. More likelihood of filing a claim is exactly the same with high-risk driver that usually also pays more expensive premium fee compared to “safe-driver” or “the preferred class.” The preferred consumers are those with stable credit card history as it suggests financial stability, meaning they are not likely to miss a payment. People of this category are safer consumers to insure compared to people with shaky credit history. Auto insurance companies do not like consumer who pays sporadically or changes accounts quite frequently.

There are some credit card issuers who offer free credit score checking, but in most cases, you need to pay for the service. Unlike credit score, risk score for insurance-related matters will not be available for you, but both probably indicate the same thing which is financial stability. If you are currently in the market to purchase auto insurance, and it turns out that you have quite unusual activity on your credit history within only certain time frame, you can wait until one month to allow the credit activity to go back to its usual condition. If you cannot keep the credit score stable, prepare yourself to pay more expensive premium fee.

3. Budgeting by installments is not always efficient.

Installments can pay almost all items, and consumers think that it is indeed the best way to budget the expense. When it comes to auto insurance, you can ask the company to divide the annual premium into a monthly basis, quarterly, or on six month. Please put in mind that dividing the annual premium will cost you “fractional premium.” You can consider this additional service fee to arrange the installment. It can be as cheap as $10 per payment; the more you break it down, the most fractional premium to pay.

Most companies will probably offer you to pay in installments since it makes more money for them. When you apply for insurance, it is wise to ask whether there is any additional charge for installments option, and then you can compare the difference. If the fractional premium is not very expensive, then perhaps it is worth it. Another big difference between upfront payment and installments is that certain companies will immediately cancel your coverage if you miss one payment; even worse, they can do it without notification. It is best to pay up front if you can; the entire process will be easier, and you can indeed save few dollars.

Every vehicle model and type has certain premium rate

Of course, you all know that sport cars need more expensive insurance policies than a van, but insurance companies will not tell you the exact numbers. In general, it is true that attractive, sporty, luxurious car with turbocharged engine will go very quickly on the road, and it increases the risk of accidents, but this is not always true considering the discounts for safety features, security features, mileage (especially when you drive it less), etc. Auto insurance companies have a specific system to know the premium for all car models you can buy, based on the system rating by ISO (Insurance Service Office). Every type of car is rated from 3 to 27; higher number means a higher premium. Insurance Service Office says that it will not release the rating system for publication because its clients are insurance companies.

You will not get the rating system from your insurer; you may not even find it anywhere at all. The best thing you can do when you want to purchase a new auto is to ask the insurance how much insurance premium you need to pay for a new car that you want to purchase. If you keep a good relationship with an independent agent, he/she should be able at least to predict the price based on raw calculation.

4. Filing claim increases your premium.

People are always interested to see insurance companies reduce premium fee to attract potential customers. It is indeed one of the best things customers get from the competition in the market, but your insurer can increase the price right away after you file your first claim. The industry standard is to increase premium fee up to 40% of the base rate after first-at-fault accident. With the help of an online car insurance calculator you get a base rate of $500, your premium increases by $200. Some companies have different rules, but there is always a big chance your premium will go up after the first-at-fault claim. Some insurers offer “first-accident forgiveness,” meaning your first actual claim will not affect the premium at all, but the variable and requirement for eligibility can be different from company to company. You should ask your insurer if such discount is available and how to qualify for it.