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... have purification tablets, but read the label on the bottle before using them. Pipe wrenches and crescent wrenches for turning off gas and water mains. HOW TO USE THE FLOOR PLANS Draw your house or apartment floor plan. Don't worry about how it looks- the artwork is not important! Now mark the exits, emergency equipment, and utility turn-off locations on your floor plan. The importance of this exercise is to have you actually learn these locations and mark them down. It is also very helpful when discussing how to escape from your home safely during a fire or other emergency. Also, note the reunion place where all family members will meet following the evacuation. Post your completed emergency floor plan in an accessible location such as inside a cupboard or closet door, back porch, or garage. Inform family members, baby sitters, and neighbors where it can be found in case of an emergency. HOME PREPAREDNESS Place large and heavy objects on lower shelves. Securely fasten shelves to walls. Remove glass bottles from medicine cabinets and from above or around the bathtub and sink. Remove all flammable liquids such as painting and cleaning products to the garage or outside cupboard. Store in proper containers. Make sure your home or place of work has ample exits that will not be blocked with fallen debris. Fasten all top-heavy furniture such as refrigerators, tall bookcases, and glass cabinets, to the walls by means of hooks, angle brackets or braided wire. Install fasteners or latches on cupboard doors. Strong child-proof latches will work well. Apply the same precautionary measures to your places of ...

... For instance, if you ran an auto garage, would you want a sign over your garage emblazoned with a delicate script fon...

...rd or closet door, back porch, or garage. Inform family members, baby sitters,... plywood. Check to make certain that garage and basement walls have adequate l...

... knows that a loss has been continuing over a period of time, it's usually not covered — and many, if not most, policies have an exclusionary provision for neglect. Dictionaries define sudden' to mean: (1 ) An unexpected occurrence; a surprise' (Webster's 1998 edition), (2 ) Happening without warning; unforeseen' (American Heritage dictionary), and (3 ) Happening or coming unexpectedly' (Merriam-Webster) . In other words, sudden' means unexpected or unforeseen, a surprise — and it appears likely that the insured did get a surprise. Here's another example, involving a Commercial Lines claim. The insured cement contractor was pouring a concrete driveway at a home in a new subdivision. As nightfall approached, he inadvertently caused cement to be splattered on a nearby garage door, necessitating its replacement at a cost of $827.69. The owner of the home made a claim for his negligence. The insured received a letter from his CGL carrier's Senior Claim Representative denying coverage, citing Exclusions 2.j.(5 ) and 2.j.(6 ) . Upon receiving a response from the agent to this letter, the claim rep sent another letter citing Exclusions 2.j.(4 ) and 2.a. We made these points in an attempt to convince the adjuster to pay the claim: Exclusion 2.j.(5 ) — That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the property damage' arises out of those operations .. [emphasis added] . The insured was not working ...

... . ONLY use upper-case words when trying to make a point (such as I just did) . Even at that, you should be careful with whom you are exchanging messages. Don't make a comment about the grammar or punctuation in a message you've received. Nobody wants to feel like they are exchanging e-mail with their eighth-grade English teacher. Don't request computer help without providing system-specific information. For example, if I submitted an e-mail that stated "I've got this problem with Word.." . Well is that MS Word for DOS, MS Word for Windows, MS Word for Macs? What version? Version 2.0? Version 6.0? Remember, the computer world is made up of every kind of computer imaginable, from IBM PC's to Macs to UNIX workstations to the one your neighbor assembled in his garage. The correct method would be to list all the system specifics first, then describe the problem or question. For example, if I were seeking answers to questions about Microsoft Word for my computer at home, I would list Gizmo Model SR-32 (Microchannel Clone, 486-66Mhz, 16MB RAM, 400MB SCSI hard disk), MS DOS 6.22, MS Windows 3.11, MS Word 6.0a and then state the problem in detail. Never send a e-mail asking for the meaning of BTW or : -) . If you've not already found these in this document, keep reading. E-mail users use lots of abbreviations (not everyone can type 200 words a minute) and other funny characters (" emoticons") . These are two of the more common examples-"BTW" is the equivalent ...

... . A trip that took 15 minutes on a southern California freeway in 1984 will probably take 47 minutes in 2010, and other urban areas are seeing comparable increases in commuting times. A virtual office allows you to translate the wasted time and stress of commuting into top-quality work performance. Enhances productivity. Telecommuters focus on achievement rather than time. Structure your work hours to the times you are most productive and creative. If you function best during the morning, you can begin work at 7 a.m. in your virtual office instead of wasting valuable time in traffic. Saves money. Telecommuting enables you to save money on gas, tolls, child and family care, restaurant lunches, dry cleaning, and new clothes. Employees can work in their jeans after their one-minute commute to the spare room or garage office. CONSIDERATIONS FOR A SUCCESSFUL VIRTUAL OFFICE Carefully select the correct job. Not every job can be transferred to a virtual office. If you own a storefront agency with walk-in traffic, your receptionist needs to be at the front counter, not working at home. Generally, the guidelines for determining a telecommuting job include the following: Requires limited or infrequent face-to-face communication with other employees Uses a computer and telephone as its key tools Involves easily measurable performance and work Does not require routine access to materials at a central work location Carefully select the correct employee. The ideal candidate is self-disciplined, self-motivated, trustworthy, not easily distracted, and organized, and enjoys working independently. Budget initial expenses. You may have to purchase a computer with a modem (or notebook), a desk, ...

... . ONLY use upper-case words when trying to make a point (such as I just did) . Even at that, you should be careful with whom you are exchanging messages. Don't make a comment about the grammar or punctuation in a message you've received. Nobody wants to feel like they are exchanging e-mail with their eighth-grade English teacher. Don't request computer help without providing system-specific information. For example, if I submitted an e-mail that stated "I've got this problem with Word.." . Well is that MS Word for DOS, MS Word for Windows, MS Word for Macs? What version? Version 2.0? Version 6.0? Remember, the computer world is made up of every kind of computer imaginable, from IBM PC's to Macs to UNIX workstations to the one your neighbor assembled in his garage. The correct method would be to list all the system specifics first, then describe the problem or question. For example, if I were seeking answers to questions about Microsoft Word for my computer at home, I would list Gizmo Model SR-32 (Microchannel Clone, 486-66Mhz, 16MB RAM, 400MB SCSI hard disk), MS DOS 6.22, MS Windows 3.11, MS Word 6.0a and then state the problem in detail. Never send a e-mail asking for the meaning of BTW or : -) . If you've not already found these in this document, keep reading. E-mail users use lots of abbreviations (not everyone can type 200 words a minute) and other funny characters (" emoticons") . These are two of the more common examples-"BTW" is the equivalent ...

... . ONLY use upper-case words when trying to make a point (such as I just did) . Even at that, you should be careful with whom you are exchanging messages. Don't make a comment about the grammar or punctuation in a message you've received. Nobody wants to feel like they are exchanging e-mail with their eighth-grade English teacher. Don't request computer help without providing system-specific information. For example, if I submitted an e-mail that stated "I've got this problem with Word.." . Well is that MS Word for DOS, MS Word for Windows, MS Word for Macs? What version? Version 2.0? Version 6.0? Remember, the computer world is made up of every kind of computer imaginable, from IBM PC's to Macs to UNIX workstations to the one your neighbor assembled in his garage. The correct method would be to list all the system specifics first, then describe the problem or question. For example, if I were seeking answers to questions about Microsoft Word for my computer at home, I would list Gizmo Model SR-32 (Microchannel Clone, 486-66Mhz, 16MB RAM, 400MB SCSI hard disk), MS DOS 6.22, MS Windows 3.11, MS Word 6.0a and then state the problem in detail. Never send a e-mail asking for the meaning of BTW or : -) . If you've not already found these in this document, keep reading. E-mail users use lots of abbreviations (not everyone can type 200 words a minute) and other funny characters (" emoticons") . These are two of the more common examples-"BTW" is the equivalent ...

... schemes to attract the masses. With so many options, it becomes difficult to choose the right policy. In the process of choosing, people make various mistakes. Here, we'll focus is on the different mistakes people make while buying a home insurance and life insurance policy. If these mistakes are considered and prevented, then policy buyers can save a big chunk of money and can get what they actually pay for. Home Insurance Just like a home loan at OnQFinancial for example, you'll want to think wisely about which home insurance policy is best for you. For a typical home insurance policy, you get three options: Buildings Insurance: The building's structure along with the fittings and fixtures (a fitted kitchen, baths, etc.) are covered. These policies normally cover outbuildings ¾ like garages and sheds ¾ also. If you have a mortgage, this policy is a must. Contents Insurance: Anything that is a personal possession and can be reasonably moved like TVs, laptops, furniture, etc. is covered. Some of the content insurance policies also cover carpets and other gray areas. Combined: As the name suggests, these policies cover both contents and buildings insurance, but you should be careful and analyze your requirements according to the facilities provided because the scope of combined policies may vary. The common mistakes people make while buying home insurance are: Accidental Damage: Most people see the name "accidental damage" and get believe that accidents resulting from things like broken furniture or a tap that's left on will be covered. But most policies do not cover accidental damage as ...