I live in Florida and currently rent a house from a real estate broker. The home is owned privately and the leasing is handled by the broker. We have moved in about 2 months ago. Since moving in there are many problems with the livability of the house. The landlord denies any problems and says everything is fine. The wiring in the house is horrible. No outlets are grounded. They are all old school 2-prong outlets with no ground. We cannot even plug newer appliances into the outlets (computers, etc.) without an adapter that removes the ground pin. I do not know if that electrical code problem by itself is enough to move. On top of that, we strongly believe this is a ‘sick house’. We have been sick and throwing up, nauseous, fatigued, sinus problems, and more since moving in. We have had the house checked for gas & carbon monoxide leaks. We have spots in our wood flooring that look similar to photos on Google of mold. The landlord says they are "pet stains". We would like the house checked for mold but it costs 0 dollars for a test and inspection. If the landlord still refuses to have the home checked, and the wiring is not fixed, is that grounds to break the lease and move? Also, the owners provide no renters insurance, we have to get that ourselves, which I know is not illegal, but the insurance company told us they would not insure any electrical devices in our home due to the wiring problem. Anyone that knows about Florida real estate and contract law please help me!

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Has anyone had any trouble with this insurance company?

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A friend of mine was injured when he was horsing around with another person at someone’s house. Now, the two people involved, the injured and the injuree (?) are not the homeowner. Can the injured person try to the get homeowners insurance to cover it? They can’t lie their way about how the injury happened since they told the hospital it came from the two guys horsing around. My thinking is, it might have been covered IF the person slipped or fell and there was no involvement by anyone else but since it was these two guys messing around, why would the homeowner or his insurance, be liable if it is? My guess is, unless it was the homeowner that caused the injury, or was caused by a fault or accident in the home itself, these people have no chance of getting the insurance company to pay. Any thoughts?

Technorati Tags: google, guess, homeowners insurance, insurance, insurance company, script type, text javascript, two guys

People often assume that since we have a pony that he is perfect for children and can they come over and ride him. While I wouldn’t class him as dangerous, he’s not a novice child’s pony, he has a mind of his own. Haha.

Also even though there are liability laws, and even though people say they’d never sue you and they won’t sign a release, the minute someone gets even a minor injury their insurance company WILL try to sue you. I don’t want to lose a friendship or go to court over something that is supposed to be wonderful.

And then there is the whole do an LLC to protect yourself bit, except you have to show profit 2/3? years? That is probably challenging to do with a small property and 1 0r 2 lesson horses. Maybe not, I don’t know.

We suggested some local stables which have great horses and programs for kids but feathers were still ruffled.

I feel AWFUL b/c I love kids and would love nothing more than to give the gift of horses but I can’t.

How can I make them understand?
EDIT: Thanks so much for all the input. He isn’t old though and I do ride him regularly. I don’t want to come off as a hypocrite and stir up drama with them.

Technorati Tags: 3 years, feathers, friendship, google, haha, hypocrite, insurance, insurance company, lesson horses, liability laws, novice, pony, script type, text javascript

Aside from actual costs to manage a medical facility, the invention of insurance has generated additional costs that have nothing to do with treating or preventing illness/childbirth.
Health care fees has become grossly inflated with expenses that have nothing to do with actual health: Cost of insurance coverage added to salaries and our taxes to cover national leaders completely: salaries and benefit packages for non-medical CEO and CFO’s and other personnel such as employees that specialize in filling out medical forms, applying for benefits, filing all the information, collections of payments; insurance company pays for fraud investigators, employees to find technicalities to not pay benefits, their CEO and CFO and all other employees.
My elderly dog needed jaw surgery: half was removed and it was wired. She stayed at the clinic getting IV fluid and medications for four days. Her bill was 5 (including tax and medications brought home). Had this been my mom, the hospital would be investigating the possibility of getting her home somehow in addition to charging her insurance, and any others she is eligible for them to sign up for, charging initially more than ,000.00.
Did you know that national health care plans written by non medical politicians have clauses that require us to not work for eligibility? ie: ADAP will pay health care for those with HIV as long as their household income does not exceed 200% national poverty level. ADAP also guarentees high profits for drugs and tx therefore one cannot afford it out of pocket so they must stop working to also be eligible for social benefits to be eligible for ADAP benefits!

Technorati Tags: benefit packages, cfo, childbirth, clauses, fraud investigators, google, health cost, household income, information collections, insurance company, insurance coverage, jaw surgery, medical facility, medical forms, national health care, national leaders, national poverty level, script type, technicalities, text javascript

Aside from actual costs to manage a medical facility, the invention of insurance has generated additional costs that have nothing to do with treating or preventing illness/childbirth.
Health care fees has become grossly inflated with expenses that have nothing to do with actual health: Cost of insurance coverage added to salaries and our taxes to cover national leaders completely: salaries and benefit packages for non-medical CEO and CFO’s and other personnel such as employees that specialize in filling out medical forms, applying for benefits, filing all the information, collections of payments; insurance company pays for fraud investigators, employees to find technicalities to not pay benefits, their CEO and CFO and all other employees.
My elderly dog needed jaw surgery: half was removed and it was wired. She stayed at the clinic getting IV fluid and medications for four days. Her bill was 5 (including tax and medications brought home). Had this been my mom, the hospital would be investigating the possibility of getting her home somehow in addition to charging her insurance, and any others she is eligible for them to sign up for, charging initially more than ,000.00.
Did you know that national health care plans written by non medical politicians have clauses that require us to not work for eligibility? ie: ADAP will pay health care for those with HIV as long as their household income does not exceed 200% national poverty level. ADAP also guarentees high profits for drugs and tx therefore one cannot afford it out of pocket so they must stop working to also be eligible for social benefits to be eligible for ADAP benefits!

Technorati Tags: benefit packages, cfo, childbirth, clauses, fraud investigators, google, health cost, household income, information collections, insurance company, insurance coverage, jaw surgery, medical facility, medical forms, national health care, national leaders, national poverty level, script type, technicalities, text javascript

Sorry for the long title, so here it goes:

My lease horse has to be insured but does the owner have to be the beneficiary if he dies/ loss of use etc. where I would be paid by the insurance company, does all that money have to go to the horses owner?
If any of you have had this situation before, and what the outcome/ arrangement was please do share.

Thank you.
The horse currently has mortality and major medical insurance, and is insured for ,000

Technorati Tags: beneficiary, google, horses, insurance, insurance company, major medical insurance, money, mortality, script type, text javascript

Sorry for the long title, so here it goes:

My lease horse has to be insured but does the owner have to be the beneficiary if he dies/ loss of use etc. where I would be paid by the insurance company, does all that money have to go to the horses owner?
If any of you have had this situation before, and what the outcome/ arrangement was please do share.

Thank you.
The horse currently has mortality and major medical and loss of use insurance, and is insured for ,000

Technorati Tags: beneficiary, google, horses, insurance, insurance company, loss of use, money, mortality, script type, text javascript

I am looking to get 2 horses with my friend to loan, But we need a Decent, cheap insurance company.

Thanks

^^

Technorati Tags: cheap insurance, company thanks, google, horses, insurance, insurance company, script type, text javascript

Long story short
1. I’m a casual/social marijuana smoker. thus i had smoked in a college party about a week before what happens in #2
2. I had a few projects due and 2 exams in two consecutive days, thus i went with very little sleep and high amount of "test-like anxiety" for a period of 3 days/nights, trying to make sure i make As in all of them (which i did)
3. after the last of the mentioned exams/projects, i went home with extreme fatigue, b4 i could pass out, for the 1st time in my 24 years of life i had an "anxiety attack" – i didn’t have any previous such experiences this i though of it as a heart attack and called 911 – went 2 ER. I turned out to be "healthy like a horse" quoted by the doctor. THC was found in my blood and blamed for the incident.
4. I have mandatory health insurance with my F-1 visa, i’m yet to file a claim.
5. would like to know if i file
a) my insurance pays anything
b) would drug related info on medical records be shared with school &/or government?
Notes:
1. I have been smoking ever since i was 18, on non-routine social basis except for first few months
2. Since the incident i have stayed off of weed
3. I’m not sure about how this may or may not violate my visa status, and am seeking info on who this info will be shared with after disclosed to insurance company by hospital upon my claim being filed. i just want to avoid getting my visa revoked and deported-as this was not caused in any way by a week old smoking experience (i smoked a blunt that night of some really potent stuff, so it could have well stayed in my system for that period of time).
4. I did sign a paper in hospital that notified me and confirmed that i know my info will not be shared with any other parties.
5. my claim form has a full disclosure clause that i have to sign which will allow any and all related info to this incident to be shared with insurance company.
6. Insurance coverage is provided by my college thru this company.

Technorati Tags: 24 years, 911, amp, anxiety attack, consecutive days, extreme fatigue, google, government notes, health insurance, heart attack, insurance company, mandatory health insurance, marijuana, medical records, period of time, script type, social basis, text javascript, thc, visa status

To sum this up as briefly as I can: My mother, in just the last year, has become a medical disaster. A significant health-deteriorating weight gain being the main issue. Prior to that, besides being somewhat overweight, she was healthy as a horse. She developed pneumonia last year and was very sick for several months. She was placed on steroids that sky-rocketed her weight and in the months to follow subsequently developed asthma, hypertension, and now the last straw..diabetes. Her physical last week revealed that she has a polyp in her uterus with post-menopausal bleeding. She also has blood in her stools so she has to have a colonoscopy. Her diabetes is not high enough where she has to be put on meds yet so she will be seeing a diabetic educator to learn how to control with diet and also check her blood sugars. The frustrating part in all of this is that we just lost my dad to cancer 1 1/2 yrs ago, so instead of being on a Group Ins policy, she is now on a Single policy. She weighs >300 lbs at 5’5" and has tried diet and (to her capability), exercise. She is an excellent candidate for a gastric bypass surgery, however this insurance company will not cover her since she is on a Single policy (which baffles me, because they would cover her if she was on their Group). She is a medical wreck….it pisses me off because her insurance will not pay for the surgery, but they will pay for ALL of these medical expenses that are a primary reflection of her weight. Can anyone tell me if there is an insurance company out there that would cover a gastric bypass surgery for my mother (on a single policy)? I don’t want to lose another parent. She is only 57 years old.

Technorati Tags: blood sugars, colonoscopy, diabetic educator, gastric bypass surgery, google, hypertension, insurance company, last straw, medical disaster, medical expenses, pneumonia, polyp, post menopausal, script type, significant health, steroids, stools, text javascript, uterus, weight gain

I have 12 horses, and 1 stallion… I have had horses for my hole life, well.. There is a situation that happend to my friend. She lives next to this couple who have horses also, they have a "mustang" stallion who they use to breed there mares with. They are all roaming free with each other, and they use him for breeding other peoples horses..

This was a very warm spring day, in Middle of March in Michigan, it was about 60 degress, they desided to take there stallion for a walk down the road, my friend says her kids were home all day playing in the yard, they make "kid" noises with plastic wissles and stuff there kid was about 9 years old.. She got a call from the police, later that night. saying her kids were blowing "Fog horns to agatate" the horses during the day and caused the horse to rear up and strike her in the face… There was no fog horn only, what was called a "recorder" or like a flute. She was told the couple is suing her insurance company for her injurys.

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I recently heard that you can get insurance for your pets so you just have a co-pay when you take them to the vet or get reimbursed by the insurance company to some degree, but I’ve heard that some are much better than others.

I have a boxer/american bull dog mix and she’s about 5 now. She’s not in bad health, but I’d like to look into this. I’m wondering if anyone has insurance on their pet(s) and by what company. How do you like it/dislike it? What is the cost? Is it worth it? What company would you recommend…or advise me to stay away from?

Thanks!

Technorati Tags: american bull dog, boxer, google, health, insurance, insurance company, pets, script type, text javascript, vet

Aside from actual costs to manage a medical facility, the invention of insurance has generated additional costs that have nothing to do with treating or preventing illness/childbirth.
Health care fees has become grossly inflated with expenses that have nothing to do with actual health: Cost of insurance coverage added to salaries and our taxes to cover national leaders completely: salaries and benefit packages for non-medical CEO and CFO’s and other personnel such as employees that specialize in filling out medical forms, applying for benefits, filing all the information, collections of payments; insurance company pays for fraud investigators, employees to find technicalities to not pay benefits, their CEO and CFO and all other employees.
My elderly dog needed jaw surgery: half was removed and it was wired. She stayed at the clinic getting IV fluid and medications for four days. Her bill was 5 (including tax and medications brought home). Had this been my mom, the hospital would be investigating the possibility of getting her home somehow in addition to charging her insurance, and any others she is eligible for them to sign up for, charging initially more than ,000.00.
If 0,000 was applied to the one that earns it only with interest over a life time, if that person became ill, yes they would afford a lower (not inflated) health care out of pocket. And my dog gums it- she eats steak with no problem.
Mark: non drivers may not drive but they stil use transportation which is on the road. Also, use is not limited as it is with health care where our leaders give themselves unlimited heath benefits leaving those paying taxes without access to care while paying for thier unlimited care.

Technorati Tags: benefit packages, cfo, childbirth, fraud investigators, google, gums, health cost, heath benefits, information collections, insurance company, insurance coverage, jaw surgery, life time, medical facility, medical forms, national leaders, paying taxes, script type, technicalities, text javascript

I’m looking for a good, reliable pet insurance company. I have a 3 year old westie in great health, but you never know what will happen in later years.

If you could include details about your experience with the company that would be extremely helpful!

Technorati Tags: google, great health, insurance, insurance company, Pet Insurance, script type, text javascript, westie