Blog Disclosure Policy

This policy is valid from 20 November 2008

For questions about this blog, contact The MidnightWriter at themidnightwriter1@gmail.com.

This blog is a personal blog written and edited by me. This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is compensated to provide opinion on products, services, websites and various other topics. Even though the owner(s) of this blog receives compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely the bloggers' own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

The owner(s) of this blog would like to disclose the following existing relationships. These are companies, organizations or individuals that may have a significant impact on the content of this blog. We serve on the following corporate or non profit boards: Angels of The Light Interfaith Ministry. We blog about people to whom we are related. The most interesting such people are: Our children and grand children..


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Insurance Plans are as diverse as people who buy them

When I think of health insurance, my mind conjures up so many types of policies that I have to take a little time to consider my options. For instance, there is coverage sold specifically for the individual and there are plans that sell Group Health Insurance . Each plan has different criteria to consider so take time to make a list of important points for the type of insurance you are seeking. Once you have the list, compile a list of phone numbers or websites and start calling or making online comparisons to see who offers the coverage you need. Then you want to get a Health Insurance Quote from each company on your list.

Some important points to keep in mind will help you sort through the many types of insurance with their equally diverse plans and premiums.  Be sure to give special consideration to Life Insurance and the qualifications needed for each type.

  • Think about the restrictions put on people with pre-existing illness or disabilities and find out how you can get the maximum coverage if this applies to you or a family member.
  • Consider the limitations an insurance policy may place on high risk people who smoke or are diagnosed with cancer or people who work at high risk jobs such as fishermen. 
  • Will other insurance plans pay a certain amount before the new policy picks up coverage? Find out if there is any deductible.
  • Ask if the monthly premium payments will remain the same regardless how many times a claim is filed. 
These are some important points to remember. I'm sure you can think of at least a dozen more that you could list before you talk to an insurance agent.  As I said, insurance plans are as diverse as the people who buy it.

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The Midnight Writer

Tragic Massacre of Wild Mustangs in Western America

Facebook Group STOP the Killing of Mustangs! We need to STOP Janna Bullock! JOIN US!


We need to stop Janna Bullock!

This is a tragedy that really affected me whenever I read the story. I want to share it on behalf of my sponsor and because I believe it's a cause worthy of your efforts and attention. Please visit their Facebook group and read about the events that are costing thousands of mustangs their freedom and their lives. Tragically, these wild mustangs are being slaughtered in order to manufacture leather works. Art is being created on their hides so the horses are poisoned instead of being shot to preserve the hides in good condition. It is a senseless massacre of America's most legendary wild and free animal. Any killing of any animal for profit is a disgrace, in my opinion. Join the thousands who are rallying to defend the wild mustangs lives and freedom. There are videos and photos as well as other useful information on the Facebook group so please visit there today and help in any way you can.

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The Midnight Writer

Hospital Expenses should be your Last Concern - Les dépenses d'hôpital devraient être votre dernier souci

French and English Translation - Traduction en anglais française et

Un bateau est en mer pendant un donner l'assaut à ainsi la dernière chose que vous devriez être inquiété pour est le coût de santé si votre aimait un est blessé. Consultez un représentant au sujet de mutuelle hospitalisation avant qu'un accident se produise et ayez la paix de l'esprit si votre aimait un travaille en mer.  Demandez leur numéro de ligne directe à 0.810.816 253 pour discuter le genre d'assurance d'assurance que vous devez assurer le meilleur soin si le moment vient que vous avez besoin de lui. Posez toutes questions de droite et l'assurance mutuelle te donnera les toutes réponses de droite et elles adapteront une politique dans votre budget.

Imaginez que le votre a aimé un est blessé dans un naufrage 500 milles de maison. Vous pouvez obtenir l'assurance pour voyager cette distance à être avec votre membre de famille sans imposer votre budget personnel. Les accidents et la maladie sont un fait de la vie ainsi ne sont pas attrapés outre de la garde. Parlez à quelqu'un à l'assurance mutuelle à découvrent comment vous pouvez mieux être disposé.  
 
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The Midnight Writer ~ L'auteur de minuit 


Read in English below...Lisez en anglais ci-dessous

A ship is at sea during a storm so the last thing you should be worried about is the cost of health care if your loved one is injured. Consult a representative about mutuelle hospitalisation before an accident happens and have peace of mind if your loved one works at sea.  Call their hotline number at  0.810.816 253 to discuss the kind of insurance coverage you need to insure the best care if the time comes that you need it. Ask all the right questions and Mutual insurance will give you the all the right answers and they'll fit a policy into your budget.

Imagine your loved one is injured in a shipwreck 500 miles from home. You can get coverage to travel that distance to be with your family member without taxing your personal budget. Accidents and illness are a fact of life so don't be caught off guard. Talk to someone at Mutual insurance to find out how you can be better prepared.