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Archive for December 2010

New Year Plans

Are you still unsure of what to do this New Year? There are events all around you! You just have to do some research and cross your  fingers that you find something worth your time instead of being couped up inside your house watching the ball drop on TV. Here are some tips to finding a New Years Event:

  • Use Google and search with keywords. Do you live in Austin, Texas? Google ‘New Years Event Austin Texas‘ and so on.
  • Visit popular event websites like TicketMaster or Eventful and do some searching around your area for December 31st.
  • For concerts, try visiting Last.FM to see if there are any local shows playing on December 31st. Make sure to change the location.
  • Sign up for and search for local events hosted by normal people. MeetUp is a website that promotes socializing among the community so it’s a lot more than a website just for New Year plans!

Good luck finding something to do!


Written by lordsinsurancelog

December 30, 2010 at 10:59 pm

December 30 2010

Happy New Years Eve, Eve! I figure since most of you won’t be here on Friday to see this, I’ll wish you a Happy New Years Eve now! Did you know that depending where you are, people celebrate New Years differently?


In Argentina, the entire family gathers together around 11:00 at night to partake of a good table of traditional dishes. Just before midnight, people hurry out in the streets to enjoy fireworks. The first day of January is celebrated at zero hours with cider or champagne, wishing each other a happy new year, sometimes sharing a toast with the neighbours. People go to parties and celebrate until dawn.


The Irish call New Year’s Eve New Year’s Eve, or in Irish – Oíche Chinn BlianaOíche na Coda Móire or Oíche Chaille. Celebrations in major cities are modest. The beginning of 2009 was heralded only by the ringing of church bells. Fireworks ring in the new year along with celebrations around the Country. A lot of Irish people tend to go to the smaller towns and villages around Ireland to celebrate the new year. Some popular destinations include Kerry, Limerick and Galway for festivities.


In Sweden, New Year’s Eve is usually celebrated with families or with friends. A few hours before and after midnight, people usually party and eat a special dinner, often three courses. New Year’s Eve is celebrated with large fireworks displays throughout the country, especially in the cities. People over 18 are allowed to buy fireworks, which are sold by local stores or by private persons. While watching or lighting up fireworks at midnight, people usually drink champagne.

To read more about different celebrations, visit the Source (wikipedia)

Everybody have a safe weekend and see you next year!


Written by lordsinsurancelog

December 30, 2010 at 6:05 pm

Posted in Daily Quip

How to Fix Slow Computers

Many people use a computer to work these days, perhaps you’re using one right now! Well, you must be if you’re reading this!

Now you may be a victim of a slow computer which can hinder your efficiency when it comes to work or just general home usage. Does it take more than five seconds to open a program? Does it take five or more minutes just to start up your computer and log in? Does opening a simple e-mail take more than a second? If you answer yes to any of those questions, here are some solutions I’ve found to help speed things up:

  • Soluto, an anti-frustration(cute) software that is user friendly, easy, and extremely beneficial to speeding up your computer speed. It finds and recommends programs that you don’t quite need to open anymore and guides you to fixing your problems. Take a look at their video on their site for a better explanation.
  • Spybot to get rid of spyware. Spyware is a type of software that obtains information from your computer without your  knowledge or consent, thus possibly slowing down your computer. It’s a good idea to use the program anyway even if you don’t have a slow computer.
  • Microsoft Security Essentials for a decent virus scanner. Virus = bad. Bad = slow. Get checked, download it.
  • Defrag often.“Defragging” is short for “defragmenting”, and it’s a process you run on a hard drive to help make it faster. It’s something you need to do periodically as files on the hard drive becomes fragmented over time – hence the term “defragmenting”. If you want to read more on what and how to defrag, click this.
  • Reformat. If all else fails, reformatting is always plan Y(plan Z is the next one). You’ll need an operating disk like Windows 7 or XP and the process should be simple. You’ll basically be resetting everything from the beginning. Make sure you back up all the important data before you do so!
  • Purchase a new computer. This is plan Z. If you have a computer that is 10 years old, consider investing in a new computer. It’ll perform better, act faster, and will most likely last you longer than the older models. Technology constantly changes so it’s always a good idea to look into a new computer. Just make sure you do some research before you purchase a computer – sometimes it’s worth the extra money to buy a $700 computer over that $500 one.


Written by lordsinsurancelog

December 29, 2010 at 8:32 pm

December 29 2010

Happy Wednesday! 3 days until the New Year! Hurrah! Do you have your party hats and streamers ready? Let’s see what else happened on December 29th in the past:

1813 – British soldiers burn Buffalo, New York during the War of 1812.
1851 – The first American YMCA opens in Boston, Massachusetts.
1965 – Filming began on Stanley Kubrick’s 2001: A Space Odyssey in England.
1966 – The Beatles start the recording session that would become the hit single Penny Lane at Abbey Road Studio.
1989 – Riots break-out after Hong Kong decides to forcibly repatriate Vietnamese refugees.
1997 – Hong Kong begins to kill all the nation’s 1.25 million chickens to stop the spread of a potentially deadly influenza strain.

Source : Wikipedia

Random trivia : A bar of gold the size of a matchbox can be flattened into a sheet the size of a tennis court.

Written by lordsinsurancelog

December 29, 2010 at 5:07 pm

Posted in Lords Insurance

Term of the Day

From our insurance terms section, this is the definition:

Benefit Period – In health insurance, the number of days for which benefits are paid to the named insured and his or her dependents. For example, the number of days that benefits are calculated for a calendar year consist of the days beginning on Jan. 1 and ending on Dec. 31 of each year.”

In depth explanation from

How long Medicare Part A covers inpatient care in a hospital or in a rehabilitation or skilled nursing facility, and how much it pays, depends on what’s called a benefit period. A benefit period is a time frame that begins the first day a patient stays overnight in the hospital and continues until the patient’s been out of the hospital for 60 consecutive days.

For any one benefit period, you pay a hospital deductible of $1,068 (in 2009). After that, Part A pays 100 percent of covered care for the first 60 days in the hospital. For more than 60 days hospitalization in the same benefit period, you pay a coinsurance cost of $267 per day up to day 90, and Part A pays the rest. If and when you begin a new benefit period, this payment schedule for the first 90 hospital days starts over again, with a new deductible and coinsurance.

If a hospitalization lasts more than 90 days within any one benefit period, you must pay $534 a day, with Part A paying the rest, for days 91 to 150. These are referred to by Medicare as reserve days. There are only 60 Medicare reserve days in a patient’s lifetime. Once they’re used up, you’re responsible for the full cost of any hospital stay beyond 90 days. You’re also responsible for the full cost of care once you’ve been in the hospital for more than 150 days.

For rehabilitation or skilled nursing-facility inpatient care, Part A covers up to 100 days during any one benefit period. For the first 20 covered days in a skilled nursing or rehabilitation facility, Part A pays the full cost; for the next 80 days, you’re responsible for a co-payment of $133.50 per day.


Written by lordsinsurancelog

December 29, 2010 at 8:25 am

Posted in Daily Quip

Term of the Day

From our insurance terms section, this is the definition:

Reserve – An amount representing actual or potential liabilities kept by an insurer to cover debts to policyholders. A reserve is usually treated as a liability.”

In depth explanation from eHow:

Insurance reserves are assets kept by an insurance company, a bank or other financial institution to cover it against future claims and unforeseen circumstances. Insurance reserves insure that an institution has funds available to honor its claims and payment premiums.


Payments made by insurance companies can sometimes differ from those originally predicted. Reserves guarantee against claims payments or anticipated premiums being higher than expected by actuarial estimates.


Banking insurance reserves can be in cash or assets which can easily be turned into cash, such as gold. In the U.S., the reserve of a national bank must be in cash while the Bank of England stores gold for reserve purposes.


Life insurance companies always regard their reserves as a liability. These reserves represent the financial difference between the insurance policy’s present value and future premiums paid on the policy.

Written by lordsinsurancelog

December 24, 2010 at 5:53 am

Posted in Daily Quip

December 24 2010

It’s Friday! Tomorrow is Christmas and we here at Lords Insurance wish everybody a Merry Christmas! Yes, technically it’s Christmas Eve but I won’t be here to create an entry on Christmas! So what IS Christmas Eve all about anyway?

Here is the history behind it according to Wikipedia:

Christmas Eve is the day before Christmas Day, a widely celebrated holiday commemorating the Nativity of Jesus. It is a culturally significant celebration for most of the Western world and is widely observed as a full or partial holiday in anticipation of Christmas.In Western culture, Christmas Eve is mostly celebrated on December 24. However, the Coptic, Serbian, Russian, Macedonian, and Georgian Orthodox Churches, as well as the Greek Orthodox Church of Jerusalem, use the Julian calendar, which is currently 13 days behind the Gregorian calendar, so Christmas Eve for the adherents of those Churches coincides with January 6 of the following year in the Gregorian calendar.

Once again, Merry Christmas everybody! See you next week!

Written by lordsinsurancelog

December 24, 2010 at 5:53 am

Posted in Daily Quip