NLIC.org

Leonard Said:

Insurance commercial song?

We Answered:

By the way: You can delete this post once you have figured out the answer. Just thought you might wanna know! Glad u found the song!

Herbert Said:

What would be a good name for a handsome guy in a movie, novel, commercial, etc?

We Answered:

Luca.
Tanner.
Jamie.
Chandler.
Tate.
Fabian.
Grady.
Cameron.
Christo.

=)

Anna Said:

My mom is 61 yrs old does not have insurance and just found out she needs a hip replacement. Need advice.?

We Answered:

If she cannot work, she should consider applying for disability. Those on SS disability are eligible for medicare even though they aren't 65 yrs old. Also have your mom get advice on ways to cope with the hip arthritis. There are many coping skills and things she can do to make life at least marginally bearable while she waits on surgery. Some hospitals have classes for people with arthritis and she might benefit. Also she might benefit from a regimen of physical therapist-prescribed exercises and the use of walking aid such as a cane or crutch or even a wheelchair. There are also medicines that she can take that might help relieve pain. Her doctor can advise on this.

I've had both of my hips replaced and can attest to the high probability of success of the surgery. It has literally changed my life and I hope your mom can benefit from the surgery as well. It is considered elective surgery because it isn't usually done on an emergency basis and can be planned for.

Things you can do: help her see about applying for SS Disability. While she waits on the outcome of that application (it can require appeals and takes lots of time), find her an arthritis support group (check with her doctor and at local hospitals). If she doesn't already take pain meds, have her ask her doctor for recommendations. I took Aleve at double the OTC dose upon my Dr's recommendation and it helped me for several years. There are other possible meds to take. Next, get her a cane and have her physical therapist or doctor teach her how to use it properly. It might be worth it for her to pay for a consult with a physical therapist who could design a program of exercises that would keep the muscles around her hip strong.
I know how hip arthritis can drag a person down. I lived with gradually worsening arthritis in both of my hips for about 10 years until they were so bad that I couldn't even walk without a cane. My world got smaller and smaller.
Best of luck to you both.

Manuel Said:

I want to start my own transport business based in Tx....Can anybody give me some info. on how to do it right?

We Answered:

Trucking is an industry that has seen many great companies fail and become only memories. You are seeking a high risk venture, with profits (when there are profits) typically at about 2 cents per dollar revenue generated. Maintenance of equipment, insurance, replacement costs of equipment and employees are extremely high. Safety programs must be designed and implemented, employment taxes calculated and paid to the state and federal treasuries, and more.

As for illegal operators, trucking is regulated and when illegal operators are caught it ain't pretty. In 1994 we interviewed 76 drivers to get 6- amazingly the majority of applicants failed the drug test for employment. I hope they all get caught, I don't want an illegal/unsafe driver on the road with my wife, kids and grand-kids out there. And anyone who knows who they are and that they are illegal are condoning their behavior and enabling them to continue such if they fail to report them.

Old trucking firms like East TX Motor Freight comes to mind, Consolidated Freight another, as does Interstate Freight Systems and more- all were fine freight carriers. Complete Auto Transport, Auto Convoy (my old company) Dealers Transport (my father's old employer), WADE Auto Transport, Associated Auto Transport, Complete Auto Transport and more were all good auto transport companies, all now gone out of business.

If you are going to persist, hire on with an established trucking broker or firm, learn the ropes and save all the money you can- you'll need it to carry you thru the lean times when fuel costs soar and you can not pass thru fast enough the additional increased costs to maintain a profit and keep the business viable.

With the current state of affairs in the auto industry being what it is, everybody and their 4th cousin trying to be in the transport business now profits are squeezed even further. Having an "insider" will carry you so far, you have to have the funds to carry you the rest of the way.

Corporate finances change constantly. People change jobs, companies change employees, and you may be out in the drop of a hat as was my former employer, who, even thought they owned the land the auto maker was located on before the auto maker shuttled the plant and they were left high and dry. Nissan ran into hard times in the mid 1990's and rebid our traffic, never mind it was under a 5 yr contract; we lost the rebid. They did not honor their contract terms, and we were put out. As a result I lost a good job I had for several years.

Unless you can operate for a few years w/o an income, I'd do something else. Trucking is not for the faint or weak of finance.