Many Las Vegas Vacation Tips

With world class dining, entertainment, shopping and attractions, Sin City is at the top of almost everyone's travel list. Whether you plan to stay for a week or a weekend, make sure you have your trip planned well before you touch down in Nevada with some great tips.

Take some time to talk with your fellow travelers and come up with a tentative itinerary that you can all agree on to make the trip one to remember.

You first order of business should be booking a hotel room. Keep in mind staying Sunday through Thursday will be less expensive than the weekend, so if your time permits you can plan accordingly. Booking at least 30 das in advanced will probably get you a better deal. Once you've found your hotel room you can start looking into flight deals. There are a variety of discount airlines that fly daily to Vegas from most large cities, and if you do not mind stopovers you can probably save on your airfare.

Once you arrive in Vegas there are several options for getting to your hotel. Shuttle buses are the cheapest bed, averaging $ 5 to $ 7 per person, but be aware that it could take up to an hour until you finally arrive at your stop. A taxi or limousine on the other hand will run from about $ 15 to $ 65. Public transportation is also available in the form of monorail lines, bus and trolley service which are a prefect way to get around on the cheap.

You can also stay entertained for free in Vegas with a number of attractions like the fountains of Bellagio, the volcano at the Mirage, lions at MGM and a free circus performance at Circus Circus.

While you're spending your time taking in the fun of the Vegas strip, make sure you keep a few things with you. The sun is quite strong in Nevada so be sure to pack a good pair of sunglasses no matter what time of the year you are visiting. The strong desert sun is also known to dehydrate tourists, so be sure to drink lots of water. Hotels and casinos will take advantage of thirsty travelers with expensive water bottles, but if you stock up at a drugstore and keep the bottles in your hotel room you can avoid inflated prices. Comfortable shoes, a hat and sunscreen are also a good idea any time of the year. Do not forget you are in the middle of the Mohave Desert after all!

Above all else have a budget before you leave. Las Vegas is full of incredible things to see and do, but you will not want to come back regretting all of your frivolous spending. Take into consideration the amount of days you will be there to ensure you will have enough to cover all of your meals, transportation, as well as budgeting in whatever forms of entertainment you will be taking advantage of while on vacation. Decide what you are willing to spend the most money on during your stay and then budget all of your other necessities accordingly.

Then get ready for an unforgettable stay in Sin City. Viva Las Vegas!

Hiking Boundary

Boundary, located on the Nevada-California border, is Nevada's highest peak at over 13,000 feet. After summiting Mount Wheeler, the second highest peak, it has been calling my husband and me to climb to its tip. Since we exercise daily including jogging several miles, eating well, and maintaining a good weight, we had prepared in advance for this challenge. We also possess possession minds of determination and curiosity, both essential when planning such an excursion. We love to camp so have good gear at the ready, and being retired, we have the time for adventure.

We headed southwest of our home driving about 300 miles to the base of Boundary at Trail Creek in Esmeralda County. The last 15 miles are dirt that begins by winding through beautiful, cabin-like though large, homes. This seems odd since we are miles from any town. Yes, the view is fantastic, but convenience is not included in this package. Next we drive along the creek through sagebrush, willows, and later quaking aspen and pinion pines. A large pond and rustic campsites appeared, rustic depicting pull-offs with occasional rock-lined fire pits. We drve a little further to the trailhead and since we were the lone hikers, we camped there for the night to be ready for an early morning launch. The hiking book details this as "strenuous", 8-miles round-trip. I found it to be average at the outside and then the final two miles exhausting and three ticks beyond strenuous and my pedometer said 9.5 miles when we finished – just so you know.

The trailhead begins with a warning about black bears and that seems surprising for this rough area but it added a wary eye to our climb. The trail follows the stream requiring only one small leaping crossing for about two-and-a-half miles with sagebrush, willows, quakies, and terrible pinions. I was glad to have sturdy hiking boots, heavy socks, and long pants to protect my feet and legs as we strolled through this lovely and silent paradise with just a few bird tweets along the route. We also wore multiple layers as the start of the hike was 80 * at 6:30 am and the end would be far cooler and I predicted very windy. My eyes glanced upward toward the saddles trying to determine which one would be our ascent and final steps to the top. Just when I settled on the one straight ahead the trail jogged left and a rocky trail led forward. It is well marked which results stress but there were few boot marks to indicate other travelers. Its isolation keeps Boundary fairly private.

After about a half mile of "gentle" rocks, the trail turns right and the ultimate saddle and peak goal looms ahead. The trail becomes much steeper and many water and snack breaks are necessary as well as leg and heart rest. We transported two gallons of water, a sound recommendation for a hearty hike in hot weather. It is a wild scramble but the top consistently beckons, appearing closer with each step and seeming further away at each rest. When we hit snow we knew we were near our goal and our last steps led us to the top of the saddle with tremendous views of the Sierras far to the west and the ranges of Nevada far to the east. The climb had taken us three and a half hours.

The wind hinded at this point and another coat and snug tie-down hood bundled me up. Drifted snow marked the way to the top, another 1,000 feet away. The siren sounded but wisdom preceded the potential slip-sliding scale. Plus our dog, a stout, strong German shorthair signaled that he had had enough. About that time our sunny day transformed into storm clouds and so we decided it safer to head back to camp. I was sad not to stand on the tippy-top, but decided that 12,069 'would have to serve as enough.

Ascending is always easier than descending for me, not the tiredness part, but the constant caution and muscle tightening needed to prevent a fall and the toe curling I do during downward slides. The beginning of the way down is made up of granite stones and sand so each step also possessed slipping making the trip faster. At a rest stop I peered upward again so find the peak enveloped in black clouds and felt the harsh wind lifting up from the valley below, racing toward the top. Within 90 minutes we were back to the creek and another hour had us at the pickup, exhausted but exhilarated. We rustled up cheese, crackers, peanut butter and jelly, bread and more water for our post-hike lunch. The hike proved to be a great accomplishment and despite during the last steps of the step climbs upward a flash of "Crazy!" had dashed through my mind, as we drove back to Highway 6 we were already planning out next outing.

Grass Valley, California

Grass Valley is nestled in California’s northwest region and is the largest city in Nevada County. If the territory seems familiar it may be because of the famous days of the Gold Rush when people from all over the world tried their luck at finding their fortunes. Situated in the western foothills of the Sierra Nevada mountains, the area was once home to hundreds who came from England– Cornwall to be exact in an effort to parlay their tin mining experience into a gold mining windfall.

The city is still home to the famous Empire Mine and the North Star Mine, both tourist attractions today and in their heyday two of the richest mines in the state. They are steeped in history and the Empire Mine has now turned into a state park, complete with artifacts, exhibits, history and English style cottage and gardens that guests can explore at will. Likewise, the North Star Powerhouse Mining Museum is open to the public complete with costumed docents and tours available to watch the history come to life as most of the machinery is still in good working order.

Because so many of townsfolk were made up of English people during the 1800’s Gold Rush, the city today still has a lot of strong ties to England and her customs. There are annual festivals and of course plenty of English style food for visitors to enjoy. Bourne Cottage is another tourist attraction in town that is a former residence for mine owners which has been left in its original state. It sits amid lovely English gardens with paths and walks to take to really step back in time to a simpler time in our history, one without cell phones and the internet and with the expectation that the next find would make you a millionaire.

The area is also home to lovely scenery and natural beauty that can be seen through the many walks, tours and parks in the area. It is a quiet city that has one hand in the past while being a destination for many throughout the year. Most people who now reside in the city either work in retail or tourism industries and keep the memories of the Gold Rush alive and well.

Not all of the miners who rushed to Grass Valley California made their millions, but they left us with memories that today has turned into history for all to enjoy.

3 Steps to Checking Out Real Estate School Online

Do you know what? I've got something to tell you. Most of my friends have just come off of making a lot of money in the real estate market and I did not get in on it at all. But all that's about to change for both me and you. The last ten years have seen house prices go from affordable to sky high in more markets than I care to name (California, we're looking at you). In fact, with the recent high priced shake out, there is no better time than now to learn about what real estate school can do for both you and your career. Heck, with all the money flowing both in and out of the real estate market every day, there's bound to be a place for you.

1) Look for credentials. You'll see them around if you look hard enough "You can buy a real estate license. Today, special price for you $ 299. Just send the check to this agent in the British Virgin Islands." There are more scams out there than I can shake a stick at and these people will be more than happy to take your money from you. We've all seen 'em. Stick with a school that looks reputable and you should be all set.

2) Decide if it's worth the investment. Are you looking to do this as a career or are you looking to do this as a part time job. I do not know about you, but I have not seen too many things that I'd classify as actually being part time. Most everything takes time energy and will power to put into it. If you are really gonna drop the money in something like this, make sure it's what you really want to do. Like everything else, it might be years before you see any real money out of it, so make sure it's for you.

3) Be realistic. Do you live in Nevada? If so, get licensed in Nevada, not Kansas. You've been surprised how many people are looking for real estate schools in states in which they do not hide because they are thinking of moving there. Do it once, pass the exam, and start your career in real estate in the state where you live. It's that simple.

This is just the tip of the iceberg! We've got a lot more where this came from. Stop by our real estate school site today to take a look at the different types of real estate school resources, articles, and information.

Daniel Kamen Is the First Animal Chiropractic Pioneer

Spinal adjustments and preventive chiropractic care is not just for two-legged mammals. Animal chiropractic wellness is a fast-growing cottage industry-must to the chagrin of some veterinary groups, which are trying to prevent seminaries of the topic from taking place.

For example, in 1995 chiropractor Daniel Kamen held his first animal chiropractic technique seminar that was open to the general public as well as licensed chiropractors and veterinarians. It sold out. And so did the next. Since then, he has connected more than 400 seminars and written three bestselling books on the subject: The Well Adjusted Dog, The Well Adjusted Horse, and The Well Adjusted Cat. However, several states have banned Kamen from speaking on the basis it was considering a violation of veterinary laws because he was teaching non-professionals to adjust or manipulate their pets.

The states prohibiting vitamins on animal chiropractic treatments include Arkansas, Georgia, Louisiana, Minnesota, Nevada, Ohio, Oklahoma, and Washington. Nevada went so far as even threatening legal action if the chiropractor did not remove seminar announcements from his website.

Kamen believes it all boils down one thing, and that's not concern for the animals-it's all about money. He believes vets are worried patients will opt against expensive hip dysplasia surgery, which can cost as much as $ 5,000, if pet owners can manage the condition on their own through chiropractic techniques.

Kane also shows owners how chiropractic manipulation can help Fido better control his bladder. He claims it takes just four minutes a day and can help prevent in-house accidents. Horse owners have also become devoted followers of Kamen's tips on keeping horses flexible and physically well-adjusted. He says thoroughbred trainers and barrel racers have embroidered his pre-race adjusting treatments that Kamen states can both increase efficiency and reduce run times.

Now retired, Kamen only holds one seminar a year, which attract attendees from all over the world. He recalls the time a Saudi Arabian prince once flew his personal chiropractor to a seminar in Philadelphia so he could learn how to adjust the prince's prized Arabs.

The animal chiropractic field has advanced to where there is a national veterinary chiropractic association that certifies practitioners. However, currently there are still less than 200 professional animal chiropractors nationwide who work full time at the specialty. And not surprisingly, most veterinary boards have shut out human chiropractors who are also certified in animal chiropractic.

Kamen believed his sins are so popular because pet owners are frustrated with trying to find chiropractic care for their household pets or show horses that suffered from neck, back, and leg pain. So now, they just have to go to the store store and get one of Kamen's books.

A Pastor At A Casino?

Bryan and Tom, two single lawyers from New York City go to Reno, Nevada for a business trip. Tom was a Christian who went to church every Sunday; however, Bryan lived a bit on the wild side, enjoying parties and women. At the end of their trip, Tom invited Brian to go to a church with him. Brian was reluctant at first, but after thinking it over he decided to go anyway.

“I didn’t think Reno had any churches. I thought all Nevada offered was strip joints and casinos,” Bryan laughed.

“You’ll see. I’m sure there is a number of churches. I’m Baptist, so I thought we’d go to one to see how we worship,” Tom replied.

“OK, but you owe me one- if I go to a church service with you, you’re coming to a casino with me.”

“Well, that’s a deal,” Tom thought his partner’s offer was fair. He had never been to a casino.

Tom chose a Baptist church and they left to go there the next Sunday morning. When they arrived, a greeter stood smiling at the front, wide door, bid them welcome and gave them programs for the day’s service. As they looked for a seat, Bryan started to fidget. “I don’t feel good about this. I’m not a Christian.”

“Maybe the service will feel more accommodating as the service continues,” Tom said.

“I wonder what the pastor’s like? I don’t want anyone judging me.”

“I’m sure everything will be fine.”

After the service started, uplifting songs were sung and Bible verses were read. Then the minister- a Pastor Michaels got up to face his congregation and welcomed everyone. He was in his late 50’s with graying hair and wore glasses. He stood tall with a firm voice, and said, “Let us pray.” Then he gave a sincere prayer that lasted three minutes. After he asked everyone to be seated, he journeyed up to the pulpit. After roughly twenty minutes of a relatively fiery sermon about all types of sin involving money can lead to a slippery slope to being tormenting eternally in hell. Bryan felt a change overcome him a somewhat warm and fuzzy feeling.

“The service wasn’t so bad after all!” Bryan said. “But you’re still coming with me to a casino tonight.”

Later that afternoon, Bryan searched his computer for a local casino, but there weren’t that many. He chose the Giant Gold Club. They dressed in regular polo shirts and khakis and drove downtown to find the place. It took several passes around the street to find a building with a blazing blue sign which read Giant Gold Club.

After getting out of their car, they approached the door to the club where they were checked for weapons. They each had to pay a $40 cover charge, and then they walked in. Bryan found an automatic slot machine, put some money in and went to work. Tom watched Bryan handle the machine as Bryan explained the game he was playing. Tom learned quickly and found his own machine.

Across the room, Tom spotted a man throwing dice at a long table, smoking a cigar. Tom stared at the man’s face. Then he told Bryan to look at that man.

“Doesn’t that look like that. Pastor Michael from church this morning?” Tom asked him.

Bryan couldn’t keep his eyes off the show but pulled his head around to look at the man having a good time.

“You’ve gotta be kidding me! That’s him! I never forgot his face. That’s the pastor!” Bryan exclaimed as his eyes bulged from his head. “Seems like we got ourselves an immoral minister.”

Tom agreed and stared hard at the man, who was surrounded by lots of women who clung to the man. “Well, Bryan, you were right! Reno isn’t a very moral place after all. This is Satan’s town!” He stormed up at the man and lectured him on his lukewarm ways. The man was so drunk, he just stared at Tom, laughed hard, and said in a firm voice, “Hey! You need to come here more often. You’re the most nervous person here!” Tom walked back to Bryan. He was so angry he wanted to leave. Bryan wanted to stay, but Tom took a cab back to their hotel room. He didn’t get any sleep that night. The first thing he would do the next morning was to drive to the church and have a talk with that “pastor.”

Bryan finally walked in a drunken stupor at 2:30 AM. Tom pretended to be asleep. Bryan just fell on the bed and immediately began snoring loudly. It was just as well since Tom couldn’t get to sleep anyway. Tom got up early that morning at 7 AM. He got dressed and drove to the church at 9 AM. When he arrived he walked into the pastor’s office. He spoke to his secretary and demanded to speak to Pastor Michael.

“He’s not in. May I help you?”

Tom said, “That figures!”

Before the secretary could respond, Pastor Michaels walked in.

“Pastor, this man wants to talk to you.”

“Come into my office… Mister… ?”

“It’s just Tom to you.”

“Why are you so angry?”

“I saw you at that casino last night, having lots of fun.”

“Oh dear! You caught me!” the Pastor laughed.

“What were you doing in the casino?” Tom said raising his voice.

“Relax Tom. That was my reprobate twin brother, John.” Before Tom could say another insulting thing, he stopped.

“Your twin brother?”

“Yeah. I guess you must be from out of town. Everyone knows about me and my “evil” twin. So, I’m sorry you worried about this so much,” he said. “Do you go to church regularly?”

Tom said he went to church every Sunday.

“Well, if you go to church regularly, what were you doing at a casino?”

“I’m here with my reprobate law partner, Bryan,” Tom laughed.

Insider Secrets about Corporations: Or, Why Should I Incorporate?

– "Why should I incorporated? I can just do this business as a sole proprietor, right?"

– "Is not it complicated and expensive to form a corporation?"

– "I run my business with my spouse, and we have a partnership.

These have to be the most frequently asked questions that I – and my own financial and legal advisers – get from our clients. The vast majority of people who operate small business or home-based business are sole proprietors or mom-and-pop shop-type partners. Yet, leading authorities on small business estimate that at least 90% of all small business and home business entrepreneurs would benefit from incorporating and using a corporation as an essential component of their overall business structure.

If this is true, why do so many entrepreneurs elect to operate as sole proprietors and general partners anyway? And why would you be better off incorporating?

The answer to the first question is usually either (1) ignorance of the tremendous risks of operating in this manner or (2) lack of familiarity with corporations and other legal entities and the ease with which they can be established. I should add that if the sole proprietorship is perilous, the partnership is more than twice as bad. This is because the partnership is by default a general partnership, in which each partner is liable for all actions of the company, including decisions made by the other partner in which she did not participate. Now that's frightening!

To answer the second question, we must first establish what a corporation is strictly. A corporation is an artificial legal entity that is separate from its owner / shareholders in the eyes of the law. The wealthy learned that there are at least three major advantages that make the corporation an
essential component of your business structure.

1. Asset Protection.

The single most important benefit of the corporation is protection it affords for your personal assets.

The corporation is created when you file appropriate documents – "Articles of Incorporation" in the United States – to the appropriate state legal authorities. A corporation can not be formed through some private agreement between the parties who elect to form it. It can only come into being by the state in which it is formed creating it, and it has the rights and obligations established by the laws of that state.

Most important here is the notification of the corporate veil – this is the shield that separates your business assets and activities from the private person and assets of the owner / shareholder (s). Because the corporation is a separate legal person, if you are a consultant or translator, for example – or own a small store – and someone claims that that they have suffered injury from your business (say, from a poor translation or a slip on your wet floor), and files a lawsuit, only the assets of your business are in jeopardy. The claimant can not touch your personal residence or your automobile if these are owned by you and not your corporation.

There are significant differences among individual states and the degree of protection that they affords to the corporate veil. In California, for instance, there are a number of occasions – too many for comfort – in which the corporate veil has been pierced, so allowing financial predators to seize the personal assets of an entrepreneur. This is almost never happened in Nevada, making it the state of choice for entrepreneurs seeking asset protection.

We will be devoting a separate article to the Nevada corporation in depth in a future issue of this eNewsletter. It is important to note for now that an additional benefit of the Nevada corporation for many is that Nevada has no state income tax. If you use a Nevada corporation to conduct business in your own home state outside Nevada (such as California, our own home state), you may still be subject to state income tax. Because of the superior asset protection afforded by the Nevada corporation, however, it may still be worth while for you to establish a Nevada corporation. Large numbers of entrepreneurs from other countries as well as other states establish Nevada corporations for precisely this reason.

2. The S Corporation versus the Corporation: Know What is Right for You

The issue of the personal service corporation only comes up with respect to the C corporation. The other type of corporation is an S corporation, which, like the limited liability company and the limited partnership is a pass-through entity. That is to say that the corporation is itself not taxed as an entity – instead of the net income passes through to the shareholders (such as a husband and wife), and is taxed on the individual tax returns of the shareholders / owners.

There are situations in which establishing an S corporation would be preferred to using a C Corporation. If you have significant income from a job, for example, and you anticipate significant losses in early years and you do not expect that your business will earn over $ 150,000, an S corporation will be your best choice. However, there are limits on who can be members of an S corporation, and there are limits on employee benefits in an S corporation.

A sophisticated business structure will probably make use of both the C and the S corporation. On the other hand, because of the nature of corporations, you will never want to use either type of corporation to hold real estate. Instead you will want to use a limited liability company or a limited partnership. However, if you are a real estate investor, there may still be room for an S- or C-Corporation in your overall business structure. For example, a corporation could have used to manage your properties held in another entity.

Or – and this is a strategy that could be used for conducting various types of business-the corporation could be part of another business entity. For example, if you wish to operate a limited partnership, you will need to have a general partner. But the general partner is liable for all decisions made and all liability resulting therefrom – the general partner, in short, has unlimited liability. Thus, an intelligent option is to use an S- or C-corporation to be the general partner. This way you have a general partner with the limited liability associated with the corporation.

3. Know How to Manage Your Corporation Properly to Keep the Corporate Veil Intact

Regardless of where you establish your corporation, you will need to make sure that you observe appropriate formalities – otherwise your corporate veil can be pierced very easily, thereby defeating the entire purpose of setting it up. Even if you have an accountant who handles your bookkeeping and tax returns, it remains your responsibility to insure that you are doing this correctly.

This involves holding regular meetings and maintaining minutes in your record book, issuing stock certificates, and other formalities.

The Personal Service Corporation

A final issue that may arise, particularly for independent consultants, translators, and other professionals, concerns the "Personal Service Corporation." There are two separate categories of professionals who may be affected by this problem: Those, such as attorneys, accountants, psychologists, and health care professionals, who are required by their state laws to incorporated as professional corporations. These corporations are automatically classified by the IRS as personal service corporations.

In addition, the IRS has broadened the definition of "personal service" to include any work, such as translation or consulting, that is personally rendered by the owner / shareholder. This is of particular concern if you are operating on your own as an individual or as a couple. If 95% or more of your earnings come from work in that personal service activity, the corporation becomes qualified as a personal service corporation.

The reason that this is of concern is that a personal service corporation incorporated as a C corporation is subject to a flat 35 percent tax rate and to a lower ceiling ($ 150,000) for application of the accrued earnings tax (normally $ 250,000). However, this is not an insurmountable obstacle to enjoying the benefits of incorporating:

1. First, the other advantages of incorporating still render the C corporation preferred to operating using another structure, such as the sole proprietor. It may be especially attractive if otherwise a high audience couple may be subject to a higher tax bracket.

2. Secondly, it is possible to structure your activities so that more than 5% of the activity is derived from work that falls outside the scope of personal services rendered by the owner / shareholder. For example, a translator or consultant might have a branch of the business involved in network marketing – as a medical professional may have a health food store or other income producing activity – so that the corporation is no longer qualified as a personal service corporation .

As you can see, the corporation is an extremely valuable tool, one that the wealthy have used extremely effectively. If you are operating as an independent entrepreneur and are not using a corporation or the popular alternative of the limited liability company, you are most likely handicapping yourself, limiting your profitability and paying excess taxes. With the resources that we have available today, especially over the internet, there is no reason that the average individual can not easily begin to take advantage of this valuable tool. We currently have 3 entities that we formed ourselves and that cost us just the cost of the various resources that we purchased plus the filing fees required by the State of California and postage to get these set up. And we have made sure to obtain the proper forms through the sources we list on our Resources page so that we can maintain the legality of these entities.

"Can not I wait and start out as a sole proprietor or partner and incorporated later?" we are often asked.

Certainly, if you do not mind exposing all your personal assets to risk, paying higher taxes, and finding yourself more likely to be subject to an IRS audit. Some people prefer to do things the hard way – but, armed with the right information and resources, there's no reason why you should have to.

Even if you decide to allow a tax attorney to help you with the formalities, it is better to do so armed with the knowledge you need to judge whatever the recommendations she makes are in fact in your best interest.

At the very least, you'll know enough to head immediately for the near exit if any "expert" you consult tells you that you "do not need" to establish a legal entity to run your business.

Copyright 2006 Azur Pacific Associates

The 9 Types of Insurance Companies

Insurance is generally a topic people do not like to think about until they need it. Who can blame them, right?

People also do not know that the law has 9 different categories of companies. These categories are not derived from the product (s) the company sells. So when you say life insurance company or health insurance company, you are surely staging the type of product the company sells. You are not talking about its legal structure.

The 9 types of insurance companies are:

1. Domestic – This type of insurance company is incorporated and formed under the laws of the state in which it is domiciled. For example, a company incorporated in California is domestic to California and is foreign to the other states.

2. Foreign – This type of insurance company is also domestic company as it is domiciled in one state but it is licensed to do business in another state. For example, a California domiciled company doing business in Nevada is foreign to Nevada but can do business in Nevada because it met the licensing requirements.

3. Alien – This type of insurance company is often confused with a Foreign insurance company. The Alien company is the one that is formed under the laws of a country other than the United States. For example, a company organized under the laws of Canada and doing business in the United States would be an alien company in this country. However, if it is properly licensed, it can do business in the United States.

4. Authorized (Admitted) and Unauthorized (Unadmitted) – Upon applying for approval to do business in a state, the insurance company receives a certification of authority from the state Insurance Department (Division). Once they receive this certificate they become known as an accredited, or authorized, company. Companies without a certificate of authority are known as unadmitted, or unauthorized, companies. A note of caution before buying insurance. You should always learn if the company is allowed / authorized. Otherwise, they may not honor your claim.

5. Stock Company – As the name implies, a stock company is an insurance company that is owned by the shareholders. These holders own the capital stock of the company and most are publicly traded on an organized exchange.

6. Mutual Company – This type of company is owned by the people and / or businesses the company insures.

7. Reciprocal (Assessment) Company – Nonincorporated associations of individuals or business, called subscribers, engage in cooperative insurance programs. Each policyholder is insured by all others, and each insures the others. Coverage is exchanged on a reciprocal basis.

8. Fraternal Benefit Society – This type of social organization has bylaws allowing it to sell insurance to its members. The society has no capital stock, is not for profit, and is organized for the benefit of the members.

9. Lloyd's Insurer – Lloyd's is a very well known name and most people think of it as an insurance company. The truth is, it is not. It is a number of people organized into syndicates or groups for the purpose ofwriting risks. Lloyd's operate on many of the same principals as a stock exchange in that it matches buyers wishing to secure insurance with sellers who wish to underwrite risks.

By the way, each insurance company sets its own rates and must first get them approved by the Insurance Commissioner in the state in which they wish to sell. This is why you can get a wide disparity in premium quotes for the same coverage. It pays to shop for the best possible price BEFORE you purchase any type of insurance.

Miracle at St. Sharbel's in Las Vegas

Do you believe in Miracles in this day and age? I do for sure.

Some history of St. Sharbel. He was a Maronite monk from Lebanon. He was born May 8, 1859, and died December 24, 1898. After the death of Sharbel, a light began to shine from his tomb attracting the local villagers, Miracles of healing began to take place. Four months after his death his body was exhumed and found to be incorrupt and floating in water. His body remained incorrupt, perspiring blood and liquid until the day of his beatification, December 5, 1965. Miracles are occurring through the intercession of Saint Sharbel to this day. In fact if you were to Google "Miracles of St. Sharbel", you would find over 300 miracles attributed to him.

Sister Maria Abdel Kamari, just one of the miracles of St. Charbel.

More recently in 1992 some of Charbel's "miracles" reached the Western press. Swedish papers and the British daily, The Guardian, printed the story of 15 year old Samira Hannoch who reported having had a vision of Charbel in her home near Stockholm. Since then oil has been pouring from a portrait of Charbel and has been associated with a number of healings. His final resting place and shrine is in Lebanon.

Now let us fast forward to St. Sharbel Maronite Catholic Mission, in Las Vegas, Nevada. Several weeks ago the statute of St Sharbel, after Mass held by two spanish practices, several people, noticed the statue had started to bleed "oil" from the head, chest and down into the palms of the hands.

Personally, I had the opportunity to visit the mission a few weeks ago and witnessed that in fact, the status was indeed "bleeding oil". A truly, remarkable but unexplained phenomena. This is not a hoax but reality, and has been witnessed by hundreds of who have said their prayers in front of the statue.

The Knights of Columbus, has guarded it around the clock 24/7, since more and more people were visiting the statue and for sure someone had to protect it from theft or vandelism. Since then the statute has been moved to the parish hall, and enclosed with a locked plexi glass case for security and protection from the public.

For those that wish to visit the statute contact St. Sharbel Maronite Catholic Church at 10325 Rancho Destino Road, Las Vegas, Nevada, and see and form your own opinion about this miracle.

Reno's Wealth of Knowledge

Come to think of it, Reno's nickname of the "Biggest Little City in the World" could not be more apt. Although small in size, it has so much to offer that tourists are often spoiled for choice. Besides being a perfect place to test lady luck, Reno is also an ideal destination if you fancy partaking in adventure sports like skiing. While art aficionados can step into one of its several galleries to check out some masterpieces, nature lovers can head to wildlife parks to admire the local biodiversity.

Another such underrated aspect of Reno is its large number of museums that give an insight into the rich legacy of the country. It is complete with such amazing facilities that you can head over there with your family and friends for a fun-filled time. If you are planning to book cheap flights to Reno, then check out this list of museums you can visit to make your holiday all the more delightful.

A Peak at the Automobile Legacy of the US

If you are still looking for reasons to book airline tickets to Reno, then the hunt ends with National Automobile Museum. What more can be said about a place that is considered as one of the greatest automobile exhibits in the country? Its vast collection of more than 200 four-wheeled machines include everything from 100-year-old race cars to vintage cars that were once driven around by the likes of Frank Sinatra, JFK, John Wayne, and the King of Rock and Roll itself, Elvis Presley. If this site does not have the "wow" factor, then what does?

For The Love of Art

If you are in Reno and consider yourself even a little bit of an art admirer, then you can not miss out on visiting Nevada Museum of Art. Its permanent collection of thousands of art pieces is categorized as Altered Landscape Photography, Art of the Greater West, Contemporary Art and Work Ethic. There is so much to admire here that an etern day might just seem a bit too short.

Everything under One Roof

Simply referred to as The Discovery, the Terry Lee Wells Nevada Discovery Museum is a facility dedicated to lifelong learning in the field of science, math and art. It spans over an area of ‚Äč‚Äčabout 65,000 square feet. If you're traveling with kids and want them to revel in excitement and learn at the same time, then this is one place that you can not miss. The site has plenty in store for adults as well who can step in to under the Stars exhibition and experience nature at its best through state-of-the-art technology.

Nevada's True Heritage

If there is one place in Reno that embrates the heritage of the state of Nevada and its people, then it is the WM Keck Museum. It tells the tale of mining in early-Nevada through an intriguing collection of minerals, fossils, ores and several other artifacts. The exhibition of over 15,000 pieces also consists of an impressive collection of intricate Mackay silver collection.