I recently attended this symposium as a vendor. I was able to introduce many people to the benefits of supplemental insurance.

We spent the night in Solvang on our way to Santa Clara. For years we have gone to Olsen's Danish Bakery and seen Paula's Pancake House next door with a huge line. This morning there was no line so we had to go. We had Danish Pancakes and Grilled Danish Sauage (Medisterpolse) Both were very good. We will definately try to eat here again! 1531 Mission Drive, Solvang, CA 93463 805-688-2867 https://www.paulaspancakehouse.com/ After our pancake breakfast we headed next door

Beautiful here...the water is crystal clear. I caught 3. Unfortunately my son didn't catch here but the view is amazing!

Caught some trout here and had a close encounter with a deer!

August 2025 we rented a boat to fish Crowley Lake. We didn't catch anything but it was still a beautiful day out on the water. The rock formations are amazing!

We caught 4 very small trout here, we returned them to the creek so they could grow up. There was too much brush along the banks and the trees formed a tight canopy making it impossible to cast here. For these we used a tenkara style rod with 10 feet of line. It worked great and we were able to float the bait past the waiting fish. We stayed on a small farm near Silverwood Amusement Park in Athol, Idaho. It was beautiful here, I would love to go back.

Recently I went to Edna Vees for a birthday party. It is in the city of Covina. It was lively and the atmosphere was good…happy and positive. The band was still setting up. My wife and I shared the Blue Cheese Bacon Burger and fries. The patty was medium rare as ordered, the burger was juicy and tasty. Our cousin says the tater tots, wings, and Brussels sprouts are good. We were in a back room where the band was still loud and clear, but it was a little quieter and we

Double Indemnity is a clause or "rider" in an insurance policy (typically life or accidental death insurance) that doubles the payout to your beneficiaries if your death is caused by a specific type of accident. In simpler terms: if you have a $100,000 policy with a double indemnity rider and you die of natural causes, your family gets $100,000. If you die in a covered accident (like a plane crash or car wreck), they get $200,000. How It Works To trigger the double payout, th

In the insurance world, a rider (also known as an endorsement) is essentially an "add-on" to a standard policy. It allows you to customize your coverage by adding benefits or amending the terms of the original contract, usually for an additional premium. Think of it like adding toppings to a pizza: the "base" policy covers the essentials, but the riders let you tailor it to your specific needs. How Riders Work Riders are legal amendments to the primary insurance policy. They

In the world of insurance, and law in general, a Common Carrier is an entity whose business is to transport people or goods for the general public for a fee. The term is particularly important in Accidental Death and Dismemberment (AD&D) or travel insurance policies because many plans pay a higher benefit (sometimes double or triple) if an accident occurs while the policyholder is a passenger on a common carrier. Key Characteristics To be legally classified as a common

The game was held on Sunday, April 12 th , 2026. It was an excellent day to watch the Dodgers. There was a light sprinkle of rain at the start, but it soon cleared up. We had fantastic seats in the Club Level. It was my first time having such good seats at Dodger Stadium. Roki Sasaki was the starting pitcher. I'm eager to watch more of his performances. Shohei Otani was the first batter for the Dodgers. He hit a home run on the first pitch. Sadly, this was not indicative of

These terms describe how hard it is to get the plan: Guaranteed Issue: They cannot turn you down based on your health history. This is common during "Open Enrollment" at work. Simplified Issue: There is no full medical exam, but you have to answer a few big health questions (e.g., "Have you been treated for cancer in the last 5 years?"). Pre-existing Condition Exclusion Even "Guaranteed Issue" plans often have this. It states that the plan won't pay for a condition you al

The insurance world is full of jargon that sounds like plain English but has very specific—and often frustrating—legal meanings. These terms are frequently misunderstood and can cause unexpected issues during claims. 1. Deductible vs. Out-of-Pocket Maximum Many people think once they pay their deductible, the insurance pays 100%. Usually, that's not the case. Deductible: The fixed amount you pay first before your insurance starts sharing the costs. Out-of-Pocket Maximum:

Critical illness coverage is a specific type of supplemental insurance that pays out a lump-sum cash benefit if you are diagnosed with a serious, life-threatening condition. Unlike your primary health insurance, which pays doctors or hospitals for medical services, this money is paid directly to you to use however you see fit. How It Works If you have a policy with a $20,000 benefit and you are diagnosed with a covered condition (like a heart attack), the insurance compa

Supplemental insurance is a frequent source of confusion because it doesn't work like your "main" health insurance. People often buy it thinking it’s a safety net, only to be surprised by how and when it actually pays out. Here are the most common misunderstandings regarding supplemental insurance. 1. Misconception: It Pays the Doctor Directly The Reality: Unlike your primary health insurance (which pays the hospital or doctor), most supplemental plans—like Accident , Cancer

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In June of 2025, my wife, son, and I were on vacation in Ohio. My wife checked the internet to see what foods Ohio is known for. The one that caught our attention was Cincinnati Chili. Cincinnati-style chili is characterized by a thin, meat-sauce consistency rather than a thick stew. It features a distinct Mediterranean-inspired spice blend—often including cinnamon and cocoa—and is typically served over spaghetti or hot dogs with large mounds of shredded cheddar cheese. Flavo

I could talk about theme parks for hours. Some for the immersive environment. Some for the thrill rides. I love a good dark ride, there aren't many being built anymore. I used to love spinning rides but I can't take it anymore. My favorite rides are the roller coasters. So many types... wooden, giga, alpine, Euro-Fighter, mega, flying, suspended, wing, floorless, standing, the list goes on. I'll get into those another time. Here is a list of the theme parks I've been to

Choosing the right life insurance policy can feel overwhelming. Many people face a key decision: should they buy term life insurance or whole life insurance? Both options offer financial protection, but they work very differently. Understanding these differences helps you pick a plan that fits your needs and budget. This post breaks down the essentials of term and whole life insurance. You will learn how each type works, their benefits and drawbacks, and which situations suit