Fiat Grande Punto launched in India

A well designed dash, with a silver finish centre console, similar to Fiat Linea, greets one into the cabin. It houses the integrated Blaupunkt music system and climate controls knobs, among the neatly laid out button layouts. A thick rim steering wheel feels strong and firm during the drives.

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So far, it is speculated that Grande Punto delivers fuel efficiency of 9km/l on the petrol engines and 12 km/l on diesel engines. The car was a bestseller in Europe and has been credited to have steered its manufacturer away from recession effects. Grande Punto comes with a new philosophy of Fiat just like the Linea- sporting seductive looks and spacious, driver friendly interiors.

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Fiat India today launched its new hatchback Grand Punto amidst a gala function in New Delhi. It joins the bandwagon of new cars launched in this year. It is city centric car designed to satisfy all needs of the people who do not usually venture out urban centres.The Grande Punto enters small car segment, as the latest car from Fiat to grace Indian road, after Honda Jazz and Maruti Suzuki Ritz. Grande Punto is positioned in the premium hatchback segment. It has finally been launched with prices ranging from Rs 3.99 lakh to Rs 6.11 lakh.

Published At: Fiat Auto http://www.poplp.com
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Entry requirements for the business traveler's visit to China

All the foreign tourists including those for China business, reaching the wonderful country of China need to have a visa. However, the citizens of some countries who want to visit Macau and Hong Kong do not need to present visa to the official authorities of China.

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Travelers on a further tour from China can stay here without visa for a maximum time period of 24 hours. The visas issued to the visitors including coming for China business as the representative of import/export industry differ depending upon the requirements of the traveler. Several factors are borne in mind while issuing visa to the tourists going to China. The most common type is the tourist visa that gives permission to the traveler to stay in China for a period of about 1-2 months. To obtain the right visa, it is best to seek the advice of the Consulate General or the Chinese embassy. Other than China business, employment visa is useful for people who visit the country to seek employment.

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China business is getting lucrative for those interested in global sourcing. People come to China frequently on account of business collaborations and to do import/export business. There are certain entry requirements for all the people traveling to China before they be the part of China business. The first and foremost thing that every traveler interested in China business should keep in mind is whether the visa and passport are at hand all the times. Visas can be easily obtained from the consulates and embassies of China.

Published At: FHA Loans http://www.loanrome.com
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Rose Business Solutions Dynamics GP

Welcome to my first Rose Business Solutions blog post. For my first series of postings, I thought I would cover a topic near and dear to every developer working with Great Plains: Integration.Software is now an integral part to operating a business, and many companies are tracking information in multiple systems, each with its own purpose. Much of this information has a dollar amount associated to it, which means it should probably end up in the ERP system.There are many tools to choose from when implementing an integration; each has its own set of strengths and weaknesses.

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Ultimately, the solution choice is made based on the project budget, but what are some of the other factors that impact our choice of tool, and ultimately solution?The answer: Requirements.Over the course of implementing several integrations, I have compiled a list of requirement topics that are evaluated whenever an integration project arises:1) Logistics: How exactly will the information get from point A to point B?2) Security: Who has access to the integration? How sensitive is the information being transferred?3) Tool Availability: Does a tool exist to help perform the integration, or are we starting from scratch?4) Division of Labor: What is the consulting responsible for? What is the client responsible for? What are third parties responsible for?5) Automation: User driven, scheduled (how often) or real time?6) Integration Points: What types of transactions are we integrating?7) Integration Process: Where does the process begin? What happens with the data in GP before feedback? When does the process end?8) GP Module Complexity: Are we integrating to the GL? Simple...Or are we integrating to Project Accounting? Not as simple...9) Integration Volume: How much data will be transferred?10) Field Mapping and Translation Logic: How many fields are mapped between systems? How difficult is the system translation?Whew...I better stop before this gets too wordy. There are probably other factors to consider when deciding on an integration tool, but I think this list of ten is a good start. In my next few articles, I plan on drilling in on some of the tools and discussion some of the common mistakes. Until then, take care!"Though we have heard of stupid haste in war, cleverness has never been seen associated with long delays." - The Art of War.

Published At: FHA Loans http://www.loanrome.com
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The author himself AUTOSOURCE and Aimbridge ® loan increase credit union

NAPERVILLE, Ill. -- The Illinois Credit Union League Service Corporation's AUTOSOURCE Division (AUTOSOURCE) and Aimbridge Indirect Lending have teamed up to more efficiently generate a greater number of auto loans for credit unions. Aimbridge[R] provides a national sales force to facilitate relationships with auto dealers and supply them with the technology to make loans with credit unions via the Internet. AUTOSOURCE provides indirect underwriting and processing expertise. Aimbridge offers AimbridgeConnect[TM], a suite of sophisticated lending tools that enable automotive dealers to immediately track and verify automobile loan applications from the point of application through loan funding.

AimbridgeConnect[TM] enables a fast, efficient loan decisioning process. Through AimbridgeConnect[TM] dealers can access AppLine[TM], an online application system that improves the quality of information available to dealers. Those applications that are not automatically decisioned are forwarded to AUTOSOURCE who will underwrite and process the package and deliver an auto loan receivable to the credit union. From LoanTrack, dealers can originate and track the status of applications through a secure Internet portal. The result is an automated system that can take as little as 15 seconds to provide a decision on loans.

"The addition of Aimbridge and their technology has helped AUTOSOURCE greatly improve the auto loan volumes it delivers to credit unions. We realize how important auto loan receivables are for credit unions and we want to enlist every tool we can to help improve volumes, quality, and efficiency," said George Fiegle, LSC executive vice president. Note 1: Part of the Illinois Credit Union League, the ICUL Service Corporation offers fee-based products and services and is dedicated to helping credit unions compete. Its services include auto loans; collections; credit, debit, EFT, and ATM cards; item processing; marketing/advertising; mortgages; and strategic planning.

Note 2: Founded in 1994, Aimbridge markets auto loans and insurance products through partnerships with financial institutions and auto dealerships. Aimbridge Lending is comprised of two divisions: Aimbridge Indirect Lending and Aimbridge Financial Services.

The company is headquartered in Englewood, Colorado, and has remote offices throughout the United States. For more information, please visit our website at www.aimbridge.com.

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GE Money Home Improvement Financing Backs green homeowners rebuild options

Ecomagination-certified Program a Winner for Energy-Conscious Homeowners KETTERING, Ohio -- GE Money's Sales Finance unit today announced ecomagination certification for its home improvement financing program when used in conjunction with public benefit-funded energy efficiency programs or by contractors that provide energy efficient remodeling solutions. "Homeowners are seeking ways to make energy efficient improvements that reduce maintenance and operating costs and add value," said Bruce Christensen, vice president and general manager, Home Improvement Industry, GE Money - Sales Finance. "Our financing program makes green remodeling more affordable and streamlines the process to maximize and implement savings." GE Money's Home Improvement division works with contractors, manufacturers, and the non-profit Electric & Gas Industries Association (EGIA), an organization committed to advancing energy efficiency and renewable energy solutions, to support the installation of eco-friendly home improvement products including: high efficiency windows, HVAC, siding, insulation, water heaters and solar products.

Specifically, EGIA and GE Money have teamed together to deliver the GEOSmart branded financing program to utilities, state energy efficiency program sponsors and contractors nationwide. EGIA administers energy efficiency programs on behalf of its utility partners and provides the turn-key GEOSmart financing solution to utilities and contractors that want to leverage available public benefit incentives in a convenient and efficient loan solution. The GEOSmart energy efficient home improvement loan can save homeowners an average of $800 over the lifetime of a $10,000 home improvement loan, as well as provide a simplified process for homeowners to obtain these loans. By leveraging GEOSmart financing, utility companies are able to maximize the productivity of their home energy efficiency programs, attract broad customer participation and increase overall energy savings and environmental benefits.

Compared to competitors' standard unsecured loans, a homeowner can save nearly $25 per month or $4,500 over the lifetime of a $10,000 loan. This means that if a large utility used the GE Money solution while reducing a percentage of its customers' energy consumption by 20 percent -- for example, if only 0.6 percent of a four million customer utility -- those customers would save over 540 million kWh over the lifetime of the 10-year loan -- reducing CO2 emissions by over 360,000 tons. That's equivalent to the CO2 absorbed by nearly 10,000 acres of a Southeastern U.S.

forest over those 10 years. To receive ecomagination certification, a GE product must improve the customer's operating performance and significantly and measurably improve environmental performance. The rigorous certification process includes detailed data analysis and performance audits conducted by GE ecomagination officers and GreenOrder, a sustainability strategy and marketing firm. GE Money's financing program supports homeowners in reducing their energy usage in the home through energy efficient products and home improvements. GE's ecomagination puts into practice the company's belief that financial and environmental performance can work together to drive company growth, while taking on some of the world's biggest challenges. GE has made a commitment to products and services that are as economically advantageous as they are ecologically sound.

"GEOSmart energy efficient home improvement loan products give homeowners one of the most affordable and accessible ways to finance upgrades for the environmental performance of their homes," said Christensen. "Simply put, the program translates into greater energy efficiency purchasing power for the consumer." About GE Money With more than $190 billion in assets, GE Money, a unit of General Electric Company (NYSE:GE), is a leading provider of credit services to consumers, retailers and auto dealers in more than 55 countries around the world. GE Money, based in Stamford, Conn., offers a range of financial products, including private label credit cards, personal loans, bank cards, auto loans and leases, mortgages, corporate travel and purchasing cards, debt consolidation and home equity loans, and credit insurance. More information can be found at www.gemoney.com.

GE Money's Sales Finance unit, based in Kettering, Ohio, provides private label credit card programs, marketing, installment lending and financial services for national and regional retailers, dealers, manufacturers and service providers in more than 20 industries including: home improvement, outdoor power equipment, sporting goods, powersports, automotive, recreational vehicles, consumer electronics and appliances, furniture, floor covering, marine, music, jewelry, and health care. GE is Imagination at Work -- a diversified technology, media and financial services company focused on solving some of the world's toughest problems. With products and services ranging from aircraft engines, power generation, water processing and security technology to medical imaging, business and consumer financing, media content and advanced materials, GE serves customers in more than 100 countries and employs more than 300,000 people worldwide. For more information, visit www.ge.com.

Published At: Auto Loans http://www.loanski.com
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Consumer borrowing slows; credit cards, auto loans stall

WASHINGTON -- U.S. consumer borrowing grew at the slowest pace in more than three years in August as demand for credit card and auto loans stalled, Federal Reserve figures showed Monday. Americans' consumer credit rose $3.3 billion in August to $1.167 trillion, down from July's revised increase of $7.3 billion.

Previously, the Fed said July borrowing rose $7.7 billion. Analysts had expected an August increase of $7.0 billion. After a three-year borrowing binge that nearly doubled the borrowing total, the August slowdown suggests "consumers' debt burden is much too high and people can't keep up that pace of borrowing," said Kevin Flanagan, an economist at Dean Witter Reynolds in New York. "Consumer spending could slow accordingly." The borrowing slowdown may be linked to a new cautious attitude by lenders in response to an increase in bankruptcy filings by consumers and a surge in credit-card delinquencies.

"Banks have begun to tighten consumer credit standards," said NationsBank Corp. economist Peter Kretzmer in a research report. For retailers, the report may be a warning that consumer demand will prove to be disappointing for the second year in a row during the Christmas shopping season, analysts said. At the same time, while the report is the latest indicator to suggest the economy is losing steam, some analysts caution against reading too much into one month's report. "Consumers are still sufficiently confident to continue purchasing on credit," said Lynn Reaser, chief economist at Barnett Banks in Jacksonville, Fla., before Monday's report. The Fed report showed that credit card borrowings rose $2.8 billion in August, auto loans increased by $200 million, and other types of personal loans rose by $400 billion.

The Fed's report doesn't track loans secured by real estate. The report also showed that the pace of consumer credit was rising at a 3.5 percent annual rate during August. That's the slowest pace since May of 1993 and down from the 7.6 percent pace of borrowing in July.

Economists use the Fed's consumer credit statistics to monitor the health of household finances as a way of making predictions about future consumer spending, which accounts for two-thirds of overall economic activity in the U.S. In response to a rise in loan delinquencies earlier this year, the Federal Deposit Insurance Corp., the agency responsible for insuring Americans' bank deposits, stepped up its monitoring of bank credit card operations. In addition, on Sept.

Comptroller of the Currency Eugene Ludwig urged banks to cut back on sending pre-approved credit cards to consumers, saying some bankers are taking undue risks in the rush to sign up new customers. Although there aren't "systemic" problems with consumer debt, "there are problems with credit card lending that neither the regulators nor the banking industry can ignore," said Comptroller Eugene Ludwig.

There have been other signs of stress. Personal bankruptcies are expected to exceed one million this year, an annual record, analysts said. Additionally, Chrysler Financial Corp., the main lending unit of Chrysler Corp., saw its credit losses double during the first half. Delinquent car payments and repossessions also increased. General Motors Corp. and Ford Motor Co.

have also experienced customer credit problems as well, analysts said. The again, some of the increase in credit card borrowing also reflects greater use of plastic for convenience, such as self- service gasoline, debt that is often repaid monthly. Separately Monday, a survey showed the number of planned job cuts by major U.S. businesses declined in September from a year earlier as the pace of merger-related firings slowed.

Planned dismissals fell 10.7 percent last month to 29,632 from 33,173 a year earlier, according to the survey by the employment firm Challenger, Gray and Christmas. Compared to a month earlier, though, planned job cuts rose 45.9 percent. "Mergers usually signal job cuts, however, an increasing number of companies seem to be rethinking their former stance about the disposability of people," said James Challenger, president of the Chicago-based firm. "Sometimes newly merged companies try to absorb personnel by giving them interim jobs." For the first nine months of the year, 8.3 percent of all job cuts -- 30,175 -- were merger related, down from 13.6 percent of all firings, or 52,634, during the first nine months of 1995, according to the Challenger survey.

Still, government statistics last Friday showed an unexpected slowdown in hiring. The Labor Department said the economy lost 40,000 jobs in September as the unemployment rate rose to 5.2 percent from a seven-year low of 5.1 percent in August.

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Examining the credit crunch impact on construction financing

The Subprime mortgage mess and the resulting credit crunch have acted as major stimulants to our commercial mortgage advisory business. Established owners and developers who previously would have picked up the phone and called one or two friendly bankers are now finding that the landscape has changed, and in order to get things done effectively in a banking environment still reeling from the Subprime mess, they need an experienced and capable jungle guide.

What are some of the biggest differences in today's lending landscape? Back in early 2007 competition among lenders for development deals was so intense that the focus on Borrower experience and expertise, net worth, liquidity, and track record was diminished, and it was possible for "rookie" developers to get 80% or even 85% loan-to-cost construction loans. On large deals with an added layer of mezzanine financing, it was even possible to leverage up to 90% or 95% of the total project cost. Now, not only has leverage rolled back to more typical historical levels (70%-75% in most cases), but scrutiny of a developer's credentials has been ratcheted way up. Now lenders REALLY want to know that a developer will have the CASH to lubricate the wheels of progress when cost overruns hit, or when it ends up taking another year to sell off or stabilize a project. Some lenders are now underwriting new condominium construction deals with a 2 1/2 year interest reserve (rather than 2 years), in order to give a greater cushion if the sellout takes longer than expected. Predictably lenders are focusing more on a credible rental fallback scenario for condo deals, and they are underwriting the deals with higher debt service coverage ratios (in some cases looking for 1.3 rather than 1.2 DSCR).

Of course, more than a few lenders have exited the condo market altogether. For ground-up development deals: A meaningful track record, real liquidity and net worth are back at the center of lender's radar screens. And did I mention liquidity? I cannot emphasize that enough! Non-recourse construction loans are fabulously rare but still available for strong developers with compelling, larger deals. However these days most construction lenders are looking for full recourse, and they are focusing on real liquidity to back it up. Even for large, established developers the noticeable effect of this more stringent credit market is the need to inject additional equity. "Journeyman" developers and those that are "jumping levels" (for example going from doing 10-unit jobs to doing 40 or 50-unit jobs) must be prepared to pony up a minimum of 25% and in many cases equity of at least 30% of the project cost for mixed-use and multifamily deals.

Exceptions will be rare and will usually revolve around the imputed land value for sites that have been held for some time. Our firm has always focused on the capital stack from the top down: meaning focusing first on the equity and the quality of the development team then moving down the stack to arranging the debt. We have long viewed the mortgage as only one component of the capital stack. Because Winter & Company focuses on "high touch" challenging deals with a lot of moving parts, we are quite prepared, if needed, to bring a developer together with equity providers and joint venture partners. One of the refreshing aspects of today's environment is that we are finding that developers are more willing to listen when we suggest beefing up their own equity and expertise with equity participations and joint ventures.

Of course joint ventures are about much more than just money: J/V's can also be a very effective way to address weaknesses in a development team and make a project stronger and more likely to succeed in these challenging times. Here are some examples of recent deals that we've placed as well as an indication of how various lenders are pricing different kinds of loans these days: * At the end of December we closed a $14.5 million construction loan for a new ground-up, 7-story, 38-unit rental building with indoor parking on Berry Street in Williamsburgh. This deal was priced at LIBOR 285 b/p for 85% loan-to-cost limited-recourse financing. * We recently closed 2 construction loans under $10 million in Cobble Hill, Brooklyn. Both were 75% loan-to-cost deals. On Dean Street between Boerum Place and Smith Street the pricing was 250 b/p over LIBOR for a 10-unit condo development loan, and on Bergen Street the pricing was 200 b/p above LIBOR for a 4-unit ground-up condominium development between Court Street and Boerum Place.

The pricing for the Bergen Street deal was particularly good based on the strong liquidity and net worth of the developer and is about as good as pricing today gets for deals under $50M. All three of the above-referenced loans were full recourse. * Just last week, we had a $31 million construction loan approved for the development of a cutting-edge, glass and steel 14-story, 11-unit, 33,000 s/f mixed-use condominium with retail/gallery space adjacent to the High Line in West Chelsea. In fact, this exotic and expensive design cantilevers up and 18 feet over the High Line. While this loan may have been financed at 70-75% loan-to-cost nine months ago, in today's cautious environment the loan closed at only 65% LTC.

Published At: Construction Loans http://www.modelsloan.com
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Turning Point National Bank and Heritage Bank, ñå regulatory approval for the merger Download; waiting months after the final confirmation of shareholders meetings

SAN DIEGO -- Landmark National Bank and Legacy Bank, N.A. have received federal regulatory approval for a plan of reorganization and merger, according to Martin Dickinson, president and chief executive officer of Legacy Bank and Ron Carlson, chairman and chief executive officer of Landmark National Bank. Approval for the merger came from the U.S. Office of the Comptroller of Currency which charters, regulates, and supervises national banks. The merger is still subject to approval by the shareholders of both La Jolla-based banks. Shareholders meetings for both institutions are set for July 12.

According to Dickinson and Carlson the merger should be completed by the end of July 2005. "We expect this to be a smooth transition with minimal impact on our customers and their banking business," said Carlson. The banks will operate under the Landmark National Bank name with Carlson as chief executive officer and chairman and F.J. "Rick" Mandelbaum, current president of Landmark National Bank assuming the same role for the merged institution.

The combined assets of the banks will total more than $110 million. The banks will merge their La Jolla offices into the Landmark National Bank office on Ivanhoe Avenue in La Jolla as soon as possible following the merger. Landmark National Bank also operates a banking office in Solana Beach.

Legacy Bank, N.A. President and CEO, Martin C. Dickinson, Chairman, Christopher McKellar and Directors Vincent Benstead and Catherine Nicholas will remain as members of the board of directors of the combined institution. About Landmark National Bank Landmark National Bank offers traditional full-service banking to individual customers, professionals and small- and medium-sized businesses. In addition to a variety of deposit accounts, the bank offers a mix of loan products that include business and professional loans, as well as Small Business Administration loans and consumer, installment, home equity, construction and real estate loans. Landmark National Bank's headquarters are located at 937 Lomas Santa Fe Drive (I-5 and Lomas Santa Fe Drive) in Solana Beach.

Hours are Monday through Thursday, 9 a.m. to 5 p.m., and Friday, 9 a.m. Call (858) 509.2700 or (800) 509.4008. The La Jolla office is at 7817 Ivanhoe Avenue in La Jolla.

Hours are Monday through Thursday, 9 a.m. to 5 p.m., and Friday, 9 a.m.

Call (858) 332.1000. For more information, contact info@landmarknationalbank.com, or visit http://www.landmarknationalbank.com/. This press release shall not constitute an offer to sell or a solicitation of an offer to buy securities. Any such offer or solicitation would be made only by a Prospectus.

Certain statements in this press release, including statements regarding the anticipated development and expansion of the Bank's business, and the intent, belief or current expectations of the Bank, its directors or its officers, are "forward-looking" statements (as such term is defined in the Private Securities Litigation Reform Act of 1995). Because such statements are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. These risks and uncertainties include, but are not limited to, risks related to the local and national economy, the Bank's performance, regulatory matters and those discussed in filings by the Bank with the Office of the Comptroller of the Currency.

Published At: Construction Loans http://www.modelsloan.com
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1001 Hot Cars Wallpapers

Hot Acura, Hot Audi, Hot Bentley, Hot BMW, Hot Bugatti Hot Veyron, Hot Chevrolet, Hot Concept, Hot Ferrari, Hot Holden, Hot Honda, Hot Hummer, Hot Hybrid, Hot Hot Hyundai, Hot Lamborghini, Hot Lexus, Hot Mercedes Benz, Hot Muscle, Hot Nissan, Hot Old, Hot Pontiac, Hot Porsche, Hot Racing, Hot Sport, Hot Volkswagen.

Published At: Audi Auto http://www.carenglish.com
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Audi Cars Green brings four, including the Hybrid A8, to Geneva ...

Audi plans to use the upcoming Geneva Auto Show to showcase details on four of its new green cars , including the Q5 Hybrid, A8 Hybrid and A1 e-tron. Original post: Audi Brings Four Green Cars, Including The A8 Hybrid, To Geneva … | | | | | | Tags: cars, details-on-four, geneva, geneva-auto, hybrid, its-new, showcase-details, upcoming.

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The Style Comes With The BMW Car Parts

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The BMW or the province locomote entireness cars are rattling such worshipped by grouping because of the unequalled designs and looking and also because of the broad action they provide. They are rattling convenient and wealth cars and cater the needs of those grouping who are rattling such afraid most easy traveling. The consort has been in the mart of the automobiles for a rattling daylong instance and they hit evidenced their cosmos to everyone. They are today thoughtful as the stylemark of the cars which hit sporty designs and they also wage you the prizewinning and awesome category of performance. The <A onClick=”javascript:pageTracker._trackPageview(’/outgoing/article_exit_link’);” href=”http://www.aaforeign.com”> BMW automobile parts</A> are rattling such prestigious meet same the BMW cars. They are easily acquirable in the mart and crapper be purchased from the online as substantially as the offline stores.

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There are some models of the BMW cars and apiece automobile has unequalled automobile parts. You crapper also intend yourself the utilised automobile parts but you crapper also intend the newborn ones at enthusiastic discounted prices and at low prices. The automobile parts crapper be attendant to braking, 4×4 parts, cooling, embody panels, ABS systems, airbags, electrical, chamber heads, entranceway mirrors, aerofoil mirrors, engines, exhausts, gaskets, pane regs, ECU, artefact and interiors, audio, fuel, steering, lighting, pedal boxes, glass, relays, switches, wheels and suspensions etc. All of these parts consortium unitedly to provide you the richness and delicate designs to your BMW car, which are thoughtful to be rattling modify and sporty cars.

Published At: BMW Auto http://www.cookingcar.com
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Range Rover: BMW gets cute, takes dig at Audi in the classroom

Good, we were hoping BMW would answer the latest challenge from Audi in the online battle of boast. Audi started up again the dormant war of words between these two German automakers a couple weeks ago by patting itself on the back for winning three Car and Driver comparisons in a row, and now BMW is striking back by bragging about its mixture of efficiency and vehicle dynamics sans compromises. more detail.

Published At: BMW Auto http://www.cookingcar.com
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Medicaid than to provide them with subsidies to buy private insurance

Is there any other feedback you would like to provide? Wednesday night from the nonpartisan Congressional Budget Office, but was aiming to release the legislation at an event Thursday morning. While the high-level meetings are over, none of the hot-button issues are resolved, aside from the public option Reid went ahead with on his own. Bolton: Senate Republicans have grown frustrated with large and small business trade associations for not helping enough to oppose the Democratic healthcare overhaul. It is less expensive for the federal government to cover low-income people under Medicaid than to provide them with subsidies to buy private insurance. We Make it Simple and Save You $Guaranteed - Call Us 800-821-4940 Advertise on Amazon See a problem with these advertisements? Senate, which would extend Medicaid to people with incomes less than 133 percent of the poverty level ($29,327 for a family of four). Only 4 left in stock--order soon (more on the way). Want it delivered Thursday, January 21?

Published At: Health Insurance

Back Risk Management and Insurance by Scott E

Id like to read this book on Kindle Dont have a Kindle? Practice Management & Reimbursement Look for Similar Items by Subject Search Books by subject: Insurance, Health. Order it in the next , and choose One-Day Shipping at checkout. Details Customers Who Bought This Item Also Bought Page of (Start over) Back Risk Management and Insurance by Scott E. If a catastrophic health emergency happens before you find a new plan, the bill is your responsibility to pay. Heffler, et al, National Health Spending in 2005. Sell yours here Share with Friends See larger image Share your own customer images Publisher: learn how customers can search inside this book.

With which advertisement did you find a problem? Advertise on Amazon See a problem with these advertisements? These policies are typically issued in 6 month terms, although some 12 month terms are available. Safeguard yourself and your family against future debt by finding a high quality health care plan. Protect your health and your wallet by investing in a health insurance plan that is right for you. This item ships for FREE with Super Saver Shipping. For financial planners, salesmen, actuaries, investment managers, attorneys, CPAs, and other financial service professionals. Is your health insurance plan working for you and your family? Life and Health Insurance Used Book Review, January 9, 2010 ByE.

Kaiser Family Foundation determined that over one third of uninsured adults reported having trouble paying their medical bills. Insurance if You're Unemployed Being unemployed often means having to significantly change your lifestyle in order to pay for your basic needs without going into debt. In 2005 $2 trillion was spent on health care services in the United States. Many of these programs require you to apply soon after you leave your job, so research your insurance options promptly. Comprehensive, easy to understand, and concisely written. I knew it was used, but I'm also the kind of person that finds pre-highlighted books helpful, which this was, so I was able to see the key points. Short-term health insurance policies are typically better for people with no preexisting health conditions who anticipate being able to find a job within 6-12 months. October 10, 2000 By A Customer This book is an excellent reference book.

These factors can amount to an enormous (and often unanticipated) expense, and pose an even greater liability. Personalized Term Life InsuranceQuotes to Fit Your Budget. Click here to get a free health insurance quote today!

Life and Health Insurance, 13th Edition (Paperback) ~ Kenneth Black Jr. Is there any other feedback you would like to provide? More About the Author Discover books, learn about writers, read author blogs, and more. Click here Your comments can help make our site better for everyone. There is a problem with the advertiser's website Other (please describe below) Comments If you need help or have a question, please contact Customer Service. These costs are expected to rise at similar levels for the next decade.

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Risk Management, Insurance by Scott E

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On average, each person was responsible for a total annual health care bill of $6,700. Feedback If you need help or have a question for Customer Service, contact us. Would you like to update product info or give feedback on images? See all customer communities, and bookmark your communities to keep track of them. Want it delivered Thursday, January 21? Only 4 left in stock--order soon (more on the way).

Source: National Coalition on Health Care. While you are entitled to all of the benefits of the plan available to active employees, you can expect that it will cost significantly more than you're used to paying. Quotes only - we do not have information about existing policies. Get Instant Quotes Apply Online -Compare Up To 250 Companies Save! Tags will help all customers organize and find favorite items. What Do Customers Ultimately Buy After Viewing This Item?

Version of This Book in the Kindle Store If you are a publisher or author and hold the digital rights to a book, you can sell a digital version of it in our Kindle Store. Books Business & Investing Industries & Professions Insurance Health Would you like to update product info or give feedback on images? Meanwhile, without health insurance, you will likely be required to pay up-front for medications, doctors visits, and any unanticipated urgent care. Hong Kong) - See all my reviews (REAL NAME) This is an excellent reference book for anybody in the life insurance business, whether you are a novice or an old hand. Just by looking at its Edition Number -- 13, you will know how important this book is in the industry.

Published At: Health Insurance

Quotes only

This can also apply to property stored or located or in transit overseas

For homeowners, insurance protection is an important aspect of
homeownership. Does the policy permit rebuilding with any type of
construction or rebuilding on another site? The same insurers should be
involved for both the property and business interruption policies to
avoid arguments over coverage or who pays for what. These companies are
valued business associates that are not affiliated with Progressive, and
are solely responsible for claims under insurance policies issued by
them. Are all contents insured for their current replacement value?
Certain Progressive companies may be compensated as licensed agencies
for performing services on behalf of these underwriting companies.
Homesite Insurance Group and IDS Property Casualty Insurance Company,
depending on your state. Policies should include cover for the
destruction of undamaged foundations or other property necessary to
effect repair or replacement. Other townhouse associations do not have
master policies, which is when you should purchase a homeowners
insurance policy for your unit.

This can also apply to property
stored or located or in transit overseas. For instance, insurers are
normally obliged to repair or replace demanding replacement is not
always permitted. Is the policy subject to any limits which restrict
coverage? Are newly constructed or acquired properties automatically
insured by the property policy during the year? Insurers' harsh
interpretations of flood impacted on many victims of Hurricane Katrina
who thought they were insured.

Some townhouse associations have
master policies, in which case you should purchase a tenant homeowners
insurance policy to insure your personal property. Injuries to your
household pets while inside your home Additional living expenses if a
fire or other insured disaster leaves you temporarily unable to live in
your home. Does the policy make any provision for agreed or functional
replacement value? Claim Concierge Service Claims Offices Catastrophe
Claims Windshield and Glass Repair Estimates Roadside Assistance Super
Service Stories Not a Progressive Customer? It is important to have
comprehensive coverage for items in transit or at any storage or off
site location and an adequate sum insured is required. Valuing and
insuring historic, heritage, or flagship buildings creates a challenge
to get the amounts and insurance protection right.

Insuring stock
can create a challenge especially if the values fluctuate during a
year. Property can also be insured on an indemnity, that is, depreciated
basis, which is sometimes referred to as actual cash value. Are all
accidental damage perils fully insured, or do some perils have limited
cover? Does the policy allow for progress payments and fully cover
claims preparation costs, including your own employees' time? The
increased costs of construction, especially after a major disaster, is a
big problem when valuing or insuring property and can create
underinsured claims.

Published At: Property
Insurance

property stored

Property insurance as it relates to business continuity planning

Additional coverage for electronics or computer equipment. Register Plus, you can report a claim, print ID cards and customize the communications we send to you. Information provided by you to any of these underwriting companies is subject to their Web sites' respective terms of use and privacy policies. A bigger or smaller building would be built? If you own a townhouse, you can insure it with a homeowners insurance policy or an association master policy, depending on your situation. Does the policy allow for reimbursement of protection costs incurred to protect the property after any major loss or damage? However, the policy clause must be included in advance. This is sometimes called co-insurance.

Different companies offer different homeowners insurance coverages, so choosing the right policy means finding the right mix of coverages to meet your needs. Progressive assumes no responsibility for the content or operation of the underwriting companies' Web sites. The disarmingly simple future building insurance questions capture the very essence of business continuity: If the building is totally destroyed would it be replaced? This type of gap can be insured by a special policy extension. Motor Home Travel Trailer Snowmobile Commercial Auto Homeowners Condo Renters Personal Umbrella Insurance Choose added liability to protect yourself from the unexpected. Additional Insurance Choices Homeowners Insurance Print Send Page Link to Bookmark Protect your house — and your possessions — with homeowners insurance from Progressive.

Insurance Basics Articles, Blogs, and RSS Connect with Progressive Home / Seguros para autos / Site Map / Help / Privacy Security / Terms of Use We're Here 24/7. The building would not be replaced at all? The accumulation of a large number of highly valued vehicles or mobile plant at the one location can create a conflagration risk. A building of different construction, design, usage and utility or location would be built? To make shopping for the right homeowners insurance policy easier, take an inventory of what you own to decide what level of coverage makes you comfortable. If you already know what kind of home insurance policy you need, get a homeowners insurance quote today. Insurers may agree that, if a total loss, a building can be replaced with a totally different type of building as long as their liability is not increased.

Does the policy include a provision for a mutually acceptable claims adjuster to be appointed? Businesses should be aware of the basis of settlement for claims to avoid any misunderstandings. Check with your association to determine which type of policy you should purchase for your townhouse. Buying homeowners insurance, or home insurance, means buying protection for your home — both inside and out. This avoids having the insurer's sole choice foisted upon you. Once you know your coverage level, get a homeowners insurance quote and choose the policy that's right for you.

As new and upgraded to meet modern building codes?

Published At: Property Insurance

Property insurance

Additional coverage for electronics or computer equipment

Injuries to your household pets while inside your home Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home. Even so, the authors argue that this is but a first step. Claim Concierge Service Claims Offices Catastrophe Claims Windshield and Glass Repair Estimates Roadside Assistance Super Service Stories Not a Progressive Customer? Additional coverage for electronics or computer equipment.

For homeowners, insurance protection is an important aspect of homeownership. Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of these underwriting companies. Once you know your coverage level, get a homeowners insurance quote and choose the policy that's right for you. Other townhouse associations do not have master policies, which is when you should purchase a homeowners insurance policy for your unit. Even before 11 September 2001, there was growing concern among property insurers and reinsurers regarding political risks, and the risk of terrorism in particular. The reassessment of nuclear risks before this setting has brought to light certain gaps in property (re)insurance. Back to Top Download this publication in English Deutsch Français Order a printed version of this publication.

September 2001 clearly demonstrated the limits of insurability to the entire insurance industry. To make shopping for the right homeowners insurance policy easier, take an inventory of what you own to decide what level of coverage makes you comfortable. Motor Home Travel Trailer Snowmobile Commercial Auto Homeowners Condo Renters Personal Umbrella Insurance Choose added liability to protect yourself from the unexpected. Some townhouse associations have master policies, in which case you should purchase a tenant homeowners insurance policy to insure your personal property. Homesite Insurance Group and IDS Property Casualty Insurance Company, depending on your state. Additional Insurance Choices Homeowners Insurance Print Send Page Link to Bookmark Protect your house — and your possessions — with homeowners insurance from Progressive.

If you already know what kind of home insurance policy you need, get a homeowners insurance quote today. Information provided by you to any of these underwriting companies is subject to their Web sites' respective terms of use and privacy policies. Insurance Basics Articles, Blogs, and RSS Connect with Progressive Home / Seguros para autos / Site Map / Help / Privacy Security / Terms of Use We're Here 24/7. Register Plus, you can report a claim, print ID cards and customize the communications we send to you. Progressive assumes no responsibility for the content or operation of the underwriting companies' Web sites. If you own a townhouse, you can insure it with a homeowners insurance policy or an association master policy, depending on your situation. Check with your association to determine which type of policy you should purchase for your townhouse. Ultimately, laws will have to be amended in some jurisdictions to correct the situation for the insurance industry.

Buying homeowners insurance, or home insurance, means buying protection for your home — both inside and out. These companies are valued business associates that are not affiliated with Progressive, and are solely responsible for claims under insurance policies issued by them. Insurance wordings will have to be changed as well to exclude nuclear exposures. Different companies offer different homeowners insurance coverages, so choosing the right policy means finding the right mix of coverages to meet your needs. Swiss Re’s Chief Underwriting Office examines the current situation and proposes an impermeable exclusion to eliminate gaps in reinsurance agreements.

Published At: Property Insurance

Additional coverage

Have enough if you want to save for college for your kids

I am glad this worked out for the McVey family. At 7:31 AM, December
19, 2008, Boston Gal said Anonymous,I am sorry if I offended you. At
7:52 AM, December 19, 2008, Anonymous said I'm pretty sure everyone in
the military automatically has a 250k life policy. Have enough if you
want to save for college for your kids. My dad upped his policy before
he left for Iraq. Boston Gal Archives Popular Posts A little history
lesson about me and money - Part 1 A little history lesson about me and
money - Part 2 How could I afford my house? At 9:38 PM, December 18,
2008, Anonymous said Federally granted student loans are forgiven in the
event you die.

Title Group provides the resources of a large
title insurance company with the personal service associated with a
privately owned and operated independent title agency. Comments: At 8:08
PM, December 18, 2008, guinness416 said Is this typical? The son should
have named his wife, father, whatever as the beneficiary. FDIC insured
banks, tax payment services, and title indemnity services. I could be
wrong, but a few years ago when my husband was in the air force, that
was true. I'm not sure how it works with ones where there was a
co-signer.

Particularly the death of a child, but it is a
possibility and planning for it does not make it an inevitability. At
9:28 PM, December 18, 2008, Shawnna said About life insurance and the
military, yo u bet they do. The entire staff of Premium Title Group
invites you to sample our services and is prepared to earn your trust.
Every person should have some sort of life insurance. At 12:31 PM,
December 19, 2008, Middle Class Hick said One of the benefits the
military has is a life insurance policy. Title commitments are normally
delivered by mail or fax within 48 hours of the order date.
Contemplating a death is never an easy thing. I did not mean my comments
to be disrespectful of a dead son or grieving father. At 7:49 AM,
December 19, 2008, Anonymous said No worries BG.

But my take-away
from the sad story is that anyone who co-signs a loan should be aware
that a death does not automatically wipe out their obligation for the
loan. They get the option to start paying for it and keep the policy
when they finish their term of service. I wonder if the Father should
have purchased a life insurance policy on his son for just this
scenario. AM, December 19, 2008, Anonymous said Sorry, must have read it
wrong At 12:28 PM, December 19, 2008, DogAteMyFinances said Most
private student don't discharge on death. There was nothing offensive in
your commentary on the article. I'm quite amazed that any of the
lenders forgave the debts.

Makes you wonder if anyone who enters
into any type of co-sign situation for a loan should take out insurance?
He got an exception because of the media coverage of this sad story. We
also offer an on-line ordering order system for our customer's
convenience. At 2:16 AM, December 19, 2008, Anonymous said .

We
are confident that we will meet or exceed your expectations and that PTG
will become a valued strategic partner well into the future. We are
designed to serve mortgage brokers, bankers, attorneys, builders and
other real estate professionals.

Published At: Title
Insurance

PTG will become a valued strategic partner well into the future

Both interest payments in LPMI and insurance premiums in PMI are tax deductible

For LPMI, the lender is probably in a better position to negotiate for a more attractive insurance premium. PMI can be terminated in accordance with the corresponding rules and regulations, whereas LPMI cannot be terminated at the borrowers request at all. The only way to find out is to use a good calculator, carefully studying the documentation provided by several lenders before making your final decision. The lender looks for an insurance policy that charges the lowest premium, while keeping the interest rate on his home mortgage product competitive. Keep watching the news as Congress is likely to continually announce changes pertaining to the deduction of premiums on traditional borrower-paid mortgage insurance.

Both interest payments in LPMI and insurance premiums in PMI are tax deductible. For a PMI policy, the borrower is likely to pay higher premiums based on a higher insurance rate. The difference lies in how the amount of your monthly payments towards the insurance is determined. FDIC insured banks, tax payment services, and title indemnity services. The LPMI payments are therefore easier on the borrower as the total monthly payment amount is lower compared to PMI and the borrower has only one loan to deal with. Title Group provides the resources of a large title insurance company with the personal service associated with a privately owned and operated independent title agency. We are confident that we will meet or exceed your expectations and that PTG will become a valued strategic partner well into the future.

Then, there is the option of piggyback or 80/20 mortgage loans to help you save on mortgage insurance. Both PMI and LPMI premiums are to be paid as long as the balance of the loan is above 80% of the purchase price of the mortgaged property. The overall benefit of each option may be quite considerable or barely noticeable. These may be quite a burden, considering they come as an addition to the regular monthly payments towards the loan itself. We also offer an on-line ordering order system for our customer's convenience.

This lower insurance premium is passed on to the borrower. Title commitments are normally delivered by mail or fax within 48 hours of the order date. The entire staff of Premium Title Group invites you to sample our services and is prepared to earn your trust. We are designed to serve mortgage brokers, bankers, attorneys, builders and other real estate professionals.

Published At: Title Insurance

interest payments in LPMI, insurance premiums in PMI

How I Saw the Real Him

ATTENDING A WEDDING TOGETHER
"I brought my boyfriend to my cousin's wedding. I have a big family with lots of traditions, and he made stupid comments and jokes about everything, even while my eyes were filling with sentimental tears. We got in a huge fight because he was being so insensitive. Later, he wound up apologizing and confessing that he’d been such a smartass because he felt like he didn’t fit in. I’d never even thought that his jokes might be masking insecurity." —LeAnna, 25

WHEN HE GETS LOST WHILE DRIVING
"I took a road trip with Pete after we’d been dating for a few months, and he got us a little lost. But it didn’t matter, because we were both totally chill. We knew that eventually we’d get where we were going, so we just kept driving until we found a place to stop for directions. My last guy would have taken out his aggravation on me. This was the first time I realized that Pete and I really had compatible styles. I knew he wouldn’t fly off the handle when things didn’t go his way, and I also knew he wouldn’t be quick to judge if the roles were reversed." —Bettina, 26

"A guy I’d just started dating had bought a little green roadster that hugged curves like a dream. To show it off, we took the back roads on the way to a party one night instead of the highway. We got completely lost, but instead of just admitting it and looking up directions on his phone, he claimed it was to play with his new car...we ended up being three hours late. I remember thinking He really can’t admit that he made a mistake. We broke up months later." —Melle, 27

WHEN YOU GET PROMOTED
"I was thrilled when, after months of interviews, I got offered a great job at a big law firm. I couldn’t wait to celebrate with my guy. But when I shared the news, he jokingly said, 'So, how does it feel to have sold your soul to make a ton of money?' He worked for a marketing company, so it's not like he was saving the world. But this was the first inkling I had that he felt threatened by my job. Suddenly I realized that my boyfriend was that 'nice guy' who really wanted to be rich but hadn't made enough smart choices on his own. —Heather, 28

"My boyfriend seemed supportive when I was applying to different grad schools. But when I finally told him that I’d gotten accepted to my number-one choice, which was across the country, he just said, 'Oh, cool!' I was a little stung and said, 'That’s all you can say?' So he said, 'Well, how is that going to affect us?' I understand that he was concerned about our relationship, but the fact that he couldn’t get over himself long enough to even feign excitement for me showed who he was really interested in. And if he was worried about being long-distance, he could have said something in the previous six months that I spent talking about going there." —Kelly, 23

WHEN HIS MOM COMES TO HIM IN CRISIS
"I was on a date with this guy I had just started seeing and he kept checking his phone. Finally he apologized and explained that his parents had recently gotten divorced and his mom was easily overwhelmed by having to deal with his three younger sisters alone. I didn’t think much of it until the next week, when I called him. When he answered, I could hear a piano playing in the background, so I asked where he was. When he said 'At a sixth-grade dance recital,' I thought he was joking. But it turns out he'd taken a long weekend and gone home just to help his mom out with his sisters. I knew then that he was a keeper." —Michelle, 22

Needy Moves You Must Nix

A needy woman is a bigger buzz kill than seeing our boss — our male boss — naked in the gym locker room. The problem is, a lot of chicks have no clue when they're acting like the human version of Velcro. But after reading this list of things that make guys beg for breathing room, you won't be able to claim ignorance.

Seeking His Approval
We have enough of our own doubts to deal with without having to reassure you perpetually. So asking us to weigh in on your most minute decisions ("Should I get bangs?") is a guaranteed system meltdown. Sure, we want to be consulted on major issues, like if you're thinking about leaving town, but for everything else, assume our two cents isn't even worth that. "My girlfriend's sister won't buy a pair of earrings without getting her boyfriend's okay," says Nelson,* 28. "Unless he's paying, I guarantee he doesn't give a damn. I'm so glad my woman has more confidence in her decision-making abilities."

Relying on Him for Fun
Since most women are born social organizers, it's off-putting to find yourself with a girl who expects you to provide the entertainment. That makes us feel like we're leaving you in the lurch every time we have to work late, go out of town, or hang with the boys. Don't be afraid to do your own thing, like 31-year-old Tim's girlfriend does. "I was dying to watch the game with the guys, but my girlfriend and I had made tentative plans," he says. "I was psyched when she asked if we could reschedule because she wanted a girls' night out."

Reading into His Actions
If your guy didn't say "I love you" at the end of your last phone conversation per usual, the relationship isn't doomed. Overanalyzing these little things will push him away...and make him think you're nuts. "My girlfriend bought me an expensive pair of shoes, which I wore religiously," says Drew, 28. "One day she noticed I wasn't wearing them and started tripping that I didn't love her anymore. She felt stupid as hell when I told her the shoes were being resoled. Where the hell does she get these crazy ideas anyway?" Lesson: Take things at face value; that's what we do.

Gluing Yourself to Him
A guy gets a little queasy when a girl attaches to him in social situations. Think mandatory hand-holding, nonstop body contact...don't make me go on. But just because we're not big on being shadowed doesn't mean we're not into you. Take it from Michael, 30: "When I go to a party or a bar with Beth, instead of following me, she works the room on her own," he says. "Every now and then, she'll eye me across the room, but she doesn't need to be Siamese, which is great." Booty bonus: Maintaining a hands-off policy in public makes us even more eager to get our hands on you when we're alone.

Signs You Are Finally Over Him

You've come to the conclusion that 8 to 12 minutes of foreplay is just not good enough.

You actually have a crush. Yippee!

Out with your gals, you're shocked to finally learn that Sara got promoted a month ago and Julie has a new boyfriend whom she's completely in love with. Turns out you've been so busy monopolizing convos with your get-him- back master plan that you missed what was going on in their lives.

You've decided that being friends with your ex isn't such a hot idea. You have enough pals already, and by the way, none of them treat you like a piece of poo on the bottom of their shoe.

The guy at your local corner store, who nicknamed you Chocolate Chip for a while (What? You needed comfort!), has changed your name to Sexy.

The other day, you dropped out of cell-phone range — for, oh, two seconds — but you didn't panic. Normally you'd be freaking that you missed a call from him, but face it, that's not going to happen.

You just had an epiphany: It's his loss, not yours.

You finally returned your collection of sappy tear-jerker DVDs — Titanic, The Notebook, and Love Actually — to the video store and rented some new, more empowering movies — Charlie's Angels and Kill Bill: Volumes 1 and 2.

Your computer at work has a meltdown and deletes all of his e-mails and the loving dialogue you shared. And (gasp!) you're not under the desk in the fetal position, howling in pain and bawling your eyes out.

Two nights ago, you actually realized that the way his eyebrows go up and down when he's talking about something serious is just really annoying. In fact, so is the way he's always scratching his neck. Ugh...and the constant throat-clearing.

You've stopped connecting (in a "like, she totally gets where I'm at" way) with Avril Lavigne songs.

You know that fantasy where you get back together because a bus hits you, and upon hearing the tragic news, your ex suddenly realizes that he's still madly in love with you and races to the hospital for a bedside vigil (with two blinding carats in his pocket)? Yeah, well, you haven't had it for seven days.

When throwing on clothes to run out to the store for milk, you don't blow-dry your hair (twice) and reject four outfits on the off chance that you may bump into him on the way.

Your date kissed you last night, and your gag reflex didn't kick in.

When you run into his mom at the mall — you weren't quick enough to lose her — and she takes your hand and tearfully says "I really thought you were The One. My husband and I love you like a daughter," you don't turn into emotional road kill.

Sexy Surprises He'll Love

You know those blissed-out couples who can't seem to get enough of each other? Well, they don't possess a magical passion potion — they keep their love buzz strong by spicing things up. "Any time you throw in a surprise — a last-minute trip, an unusual date location, an unexpected gift — it sends a signal from your brain's reward center that stimulates the rest of the brain, including the areas that register love and bonding," says Read Montague, PhD, director of the Human Neuroimaging Lab at Baylor College of Medicine.

Novelty also triggers the same physical sensations — like stomach butterflies and sweaty palms — he (and you) got when your relationship was brand-new. And not only do these shared adventures make you feel giddy about each other all over again, they also tighten your bond, says certified sex therapist Darcy Luadzers, PhD, author of the upcoming book The 10 Minute Sexual Solution. So how can you bring on the thrills? From food fights to surprise skinny-dipping dates, Cosmo readers — and some very satisfied guys — share their shockingly fun and sexy secrets. Check out these ideas.

Surprises 1-3

"My boyfriend records law-school lectures and transcribes them later to study. I once cued the tape to a pause in the lecture, hit the record button and said, 'I'm so hot for you,' into it. He took a nice, long study break with me later."
—Jen, 25

"One time in bed, my girlfriend whispered to me in French. She could have just been saying, 'Take out the trash,' but hearing her speak in that accent was an incredible turn-on."
—Chris, 28

"My girl ran a bath for me...then hopped in. I'd never had my scalp massaged, and when she shampooed me, I felt tingles all over my body. The cherry on top was when she pointed to the shaving mirror in the shower, and I saw that she'd given me a wet, soapy faux-hawk."
—Morgan, 29

Surprises 4-10

"During dessert, I spontaneously flicked a blob of ice cream at my boyfriend. He laughed and retaliated, and soon it was an all-out food fight. Eventually, we were both on the floor laughing. It's still our most memorable at-home meal, and cleaning up each other afterward wasn't bad either."
—Kim, 21

"Text him two words next time you're leaving work: no panties."
—Bruce, 30

"One day last winter, I had to go to work superearly, so I got up and showered as usual. When I reached for my towel, I found the coziest surprise ever: My girlfriend had replaced our regular towel rack with a standing towel heater and had woken up and snuck in to turn it on while I was showering. I'd never been more in love with her."
—Phil, 32

"I secretly made off with the remote while my guy was watching television. Later, I snuck into the room behind him and turned it off. He was irritated until he turned around and saw me standing there in this incredibly sexy bra and panties."
—Beth, 22

"One night, my girlfriend made a comment about skinny-dipping in the neighbor's pool at 3 a.m. I thought she was joking, so I was amazed when she stripped down and headed out the door. I knew then that no matter how long we were together, she'd always be up for some mischief."
—Clint, 27

"Spritz your perfume on the ends of his scarf. He'll get an unexpected hint of scent that makes him think of you the next time he gets all bundled up to go outside."
—Haline, 25

"He giggles like a schoolgirl when I secretly pinch him on the butt in public, like when we're on a crowded elevator or he's giving the maître d' our name at a restaurant."
—Nadia, 27

Surprises 11-15

“Sometimes my girlfriend will get me a little gift just because, like a new shaving cream or some boxer briefs. But instead of handing it to me, she sneaks it into my medicine cabinet or underwear drawer so I’ll find it on my own. It always takes me a second to figure out how it got there, and then I feel like the luckiest guy on earth.”
—Oscar, 30

"While making dinner, my girlfriend put on one of those frilly half aprons — with nothing under it! Even if you’re just heating up a can of soup, this will blow his mind.”
—Chandler, 25

"I took a strip-dance class at my gym, then sprung a slow-burning lap dance on him for his birthday. The look on his face was pure glee.”
—Tonette, 26

“We trained for and finished a marathon together. Some days we were almost too exhausted to run, so once, I bought a silly Cher wig and showed up in it for our workout that evening. It totally cracked us up, and the time — and the miles — just flew.”
—Leigh, 30

“Whenever I shower at my boyfriend’s house, I write a silly note in the steam on the mirror when I get out so it’ll appear when he showers.”
—Kelly, 24   

Surprises 16-20

"I stole a page from that classic Jennifer Aniston scene in The Break-Up and marched through the living room naked to show off my new, all-bare wax job. He almost tackled me."
—Marcy, 24

"Every now and then I'll wear a garter belt under my regular work clothes. It's always quite explosive when he discovers it."
—Caitlyn, 30

"I got stuck at the office and had to cancel a long-standing date with my girlfriend. I felt really horrible about it and worried she'd be mad. Then a delivery truck pulled up outside, and a guy got out and handed me a pizza! She had called and paid for it, and she had them send a cute note along with my dinner. I loved that."
—Julian, 31

"On an evening walk, my boyfriend and I passed a hotel. I said, 'The bar here supposedly has a great view. Wanna check it out?' We got in the elevator, and I hit the 7th floor instead of the bar floor. He looked confused, but when I pulled out a key card, his eyes lit up — I’d booked a room there and checked in earlier that day. We never did make it to the bar."
—Janet, 24

"Sometimes I'll act like I'm exhausted and go to bed early, but I actually strip down and crawl under the covers totally naked. He'll come to bed thinking he's getting nada, curl up around me, and realize I'm not only awake, I'm ready for some lovin'. His jaw literally drops."
—Ciara, 24