What does the economy has in store for an average Joe in 2015?

As you celebrate New Year's Eve there's a lot to be thankful for and in the same note a lot of hope and perhaps wishful thinking that 2015 will be a better year than 2014 was. According to the economic indicators reported to us “average people” for example the DOW things don't look too rosy! As a matter of fact Wall Street closed down on news of lower gas prices. This makes you wonder of what economy is Wall Street indicator off. For example during the New Year's Eve celebration I was talking to a prominent Miami foreclosure attorney who was telling me that although foreclosures are down about 9% at a national level there are still a lot of foreclosures filings going on. In Florida for example, 1 in every 462 homes receive foreclosure notices this past December. This is not only a Florida issue all the places throughout the country are in the same situation. For example in New Jersey is 1 in every 478, in Maryland is 1 in 581. Other places such as Delaware, Utah, Nevada and Illinois are still in the red despite the Obama administration assurance that the economy is growing.

The way I see it, at least in the Miami market, is that international investors from Brazil, China and Australia have had a field day buying distressed properties at pennies on the dollar. The fact is that if you're an average Joe like me, there still a lot of uncertainty as we look forward to 2015. If you don't believe that all you have to do is pick up a local newspaper, listen to the radio or watch TV doing the local news to see the number of ads by Miami bankruptcy law firms. I just hope that in the 2016 election those at the bottom of the food chain exercised their right to vote based on what is better for our nation rather than voting the party, a race, or a gender!

Dental Insurance Sucks!

The Obama administration coned Americans into the affordable health care act. Not only is this a scam but worthless insurance. The problem with healthcare in the US, is not your healthcare insurance but the way the healthcare industry is except anti-trust standards. Businesses in the US including insurance company have to deal with antitrust legislation with the exception of the healthcare industry. Antitrust laws are in place to encourage competition and avoid set prices or price fixing.

If you did not know 98% of all dental policies expire on December 31. This is a fact that my Miami dentist brought to my attention. The way it works is quite confusing and obviously written by lawyers for the sole purpose to scam all of us who are not attorneys.

These insurance laws are so complicated that not even my former dentist in Pembroke Pines could give me a definitive answer as to what was cover, what was not cover, and what my deductibles was. It is for this reason that when you go to the dentist they often do an assessment and then take two or three days to get back to you with what is cover and not cover. Basically what happens here is that an invoice or what many of us in business world know as "a pro forma invoice" is generated and submitted to the insurance company. It is the person at the insurance companies who make the final choice as to what to cover and not to cover.

Talking to a personal injuryattorney in Boca Raton, Florida who deals with this nonsense on a daily basis is when I realized that inefficiency of our healthcare system and why healthcare in general is so expensive in the US.

Be warned, that if you have dental health insurance and you need any type of dental work done, you need to verify that your benefits do not expire at the end of the year. Almost all dental insurance policies have a limit of how much they cover. If your insurance policy resets at the end of the year all the unused benefits will be kept by the insurance company. Note, that these are benefits you pay for! For many like me these benefits can be several thousands of dollars. It is for this reason that I have started going to a dentist in Plantation, Florida that is closer to my job rather than the one that is closer to my house. The truth is that we don't need a socialist mandate forcing us to have insurance what we need to work on is making health insurance more affordable so that people can afford it!

Is your ride protected?

If you are a car guy like me, your car is a prized possession and too many, it is almost like a family member. But when it comes to insurance and protecting our ride, many of us do a poor job of selecting the right type of insurance coverage. Insurance companies are not in the business of paying claims; as a matter fact from where I'm sitting it looks like they are in the business of charging as much as they can, while paying out as little as they can get away with. This is one of the main reasons why the number of personal injury attorneys in Miami has skyrocketed over the last few years. He seems that nowadays is almost impossible to get fair value from an insurance claim.

It was not until her again Andrew in August of 1992 when I realize the importance of having adequate insurance coverage as well as knowing and honest Miami claims adjuster. Today it is almost impossible to get proper valuation on your vehicle. On average a standard insurance policy only covers about 80% of the value of the vehicle. If you have a lot of custom work, custom equipment and or any older known factory accessories it is important that you extend your coverage to include these items all the wireless in the event of theft or a total loss wreck this items will not be covered.

In many cases coverage for after-market accessories and custom work is not really that expensive. I was recently involved in a pretty substantial accident and although I didn't get hurt my truck suffer quite a bit of damage. After filing a claim with Progressive Insurance I was insulted as to their proposed value my vehicle. Not knowing what to do I was forced to hire a Miami car accident lawyer and within a few days they came back with an offer almost 4 times the original amount. It is pitiful the one has to resort to this type of engagement in order to get satisfactory value from an insurance company. In summary, if you are a Miami car audio guy like me I will advise you to revisit your policy and make sure that all the after-market equipment you have on your vehicle is covered.

Bitchin Ride on a Budget

If you are a car guy and you follow the many car shows on TV such as Overhauling, Bitching Rides in Chasing Classic Cars you can't help but to dream about doing some of his things to your vehicle. The fact is that many of these shows exercise no budget when it comes to delivering their objectives. That said, living in Miami if you a complete different perspective as to what is a hot rod, tuner and or show car.

If you're not familiar with the Miami car scene the range of vehicles shown on the 2003 blockbuster 2 fast 2 furious movie is what you can expect when you come down to Miami. Everything down here is over-the-top phone car stereo to rims and tires. However, compared to all the other metropolitan cities the Miami car scene has manage to keep it classy and stay away, for the most part, from the Impalas with 32 inch wheels etc.

If you're an average Joe like me many of the things done in this TV shows way out of my reach. That, together with the intricacy of today's cars is a reality that in many locations contradicts your budget. Nevertheless, there are many things you can do to a vehicle and making a bitching ride on a budget!

Miami car audio: If you are a real car guys is likely you are into car stereo as well. Many qualified a high-performance car stereo system as a booming one. However, it doesn't have to be that way. Even though many cars today include subwoofers, tweeters and multichannel amplifiers many if not all can use the touch overqualified car stereo installation shop. Without taking it over the top a custom car audio system can make a huge impact on the way you feel and use your vehicle.

Miami car alarm: if you start doing upgrades to your vehicle whether it is rims and tires, car audio system or any type of accessory is a good idea that you protect your investment. Today many cars come with some type of antitheft device but to be honest, many fall short of a real car alarm system. When it comes to car alarm there are many choices, however, consider either a Viper or Clifford car alarm system as these are known to be of the best quality and reliability.

Miami window tinting: South Florida is known for its Sun and with about 350 days of sun you may want to consider tinting your vehicle. Window tinting not only offers privacy and security but also contains the car and its content cooler and protected from the harmful sun rays. While up north just about any type of window tinting works in South Florida you should look for 3M car window tinting.

Bolt-on Lambo Doors: Costing less than a candy apple red paint job and even vehicle graphics such as wraps lambo doors offer a lot for the buck. Made famous by the Italian carmaker Lamborghini to whom they make reference to lambo doors are car door hinges that are now a regular vehicles whose doors open outward to be converted to one that opens like a Lamborghini Diablo. This means, pivoting vertically and for at the door hinge and resting vertically when open but still looking factory when driving.

As you can see there are many areas that with a small budget you can create a vehicle that is not only unique but a pride enjoyment without wrecking the bank.

3 things you need to know when selecting a CCTV security system

Watching TV shows like "Persons of Interest" raises the question about how many securitysurveillance systems are out there. The truth is that the number CCTV security systems have grown over 1000% in the last 10 years. Since September 11 authorities have become more resourceful in the use of traffic cams and other outdoor surveillance camera systems.

Throughout Miami traffic cams have become the norm and rarely is there a holdup and security cameras in catching the perpetrator. So when it came time to install a system on my business I went out and did some extensive research prior to making a decision. I am a person that does not fall for commercials and advertising. If you watch TV for any given period of time I'm sure you're familiar with AT&T's commercials where they claim they are the fastest 4G network in the US. This my friend is far from the truth as a matter of fact as a former AT&T customer I can tell you that there cell phone service it is not only one of the most pricey is but also the most unreliable. This is why you should always do an independent research prior to engaging a professional or company. When it came to installing a CCTV security system in my presence I was trying to figure out whomakes the best surveillance cameras in the market. Given the array of brands, technologies, shapes and sizes available this may be difficult for the average person to decipher. There are a lot of things to take into consideration when it comes to selecting a CCTV security system here are some of the most important facts I have found out.

#1 - Stays away from box systems - Any, if not all, CCTV boxed systems consist of the same cameras, a DVR and necessary hardware to do a basic installation. The quality of a CCTV system is greatly impacted by the location where the cameras are placed. Each location is likely to have a unique area that he needs to be covered, lighting and distance for this reason every camera should be selected based on where there are going to be mounted.

#2 - Stick with well-known brands - Today everything from Nike to Michael Kors bags are counterfeited in China. China is also the number one provider of CCTV cameras. Because it looks like a branded product it does not mean that is going to perform like a branded product. Some of the top names known for quality CCTV cameras are Bosch, Toshiba, Samsung, Panasonic, Sharp and Pelco. These are also some of the most copied brands in the CCTV industry. Make sure you are buying from a reputable retailer and authorized dealer of the brand you select.

#3 - Hired a professional - There are many high-quality Miami security camera installation companies out there. Salespeople at many local electronic retailers like Best Buy or even BrandsMart will have you believe that installing a CCTV security system is as simple as 123. Nothing is further from the truth. In order to perform a professional installation you may require tools that in many occasions cost more than hiring a professional. Simply Google CCTV Miami, stay away from the paid ads and request quotes from several companies. Also, although CCTV is consider a part "security" and often associated with home security companies with today’s Internet base CCTV security systems is often better to hire an Internet professional in Miami.

Short of hiring a security guard company a closed-circuit surveillance system can be one of the most important investments you make for your business. So, do your due diligence and don't rush to any decisions when it comes to selecting a CCTV surveillance system for your business.

Selecting the right Lambo door kit

This holiday season I'm looking to get lambo doors for my son's Dodge Charger RT. However, I am concerned that applying Lambo doors would void my new car warranty. My decision to have this done in my car as being received with mixed emotions. I know already some of you already dislike lambo doors (or the look) so it was no surprise when many of my friends call me crazy. True, there have been several negative reports and newspaper articles written about this car modification. However, almost all of them involve low-cost Lambo Doors Suppliers from China. For my vehicle I am choosing to go with a kit made by vertical doors Inc. that my friend Luis at lambo-doors.biz has ordered for me.

There seems to be a lot of confusion about Lambo doors and how they work. Lambo doors or as
they are also known Upright Doors, Scissor Doors, Wing Doors, or Butterfly Doors are nothing more than a conversion kit that replaces your factory door hinges so that your card doors opening just like a Lamborghini Door in a vertical motion from back to front instead of sideways and like any regular vehicle.

The Lambo door kit do not replace the doors, only the front door hinges. Lambo doors installation has always been an areas of specialization for many custom car shops. Like in sports practice and repetition makes perfect this is why it is highly recommended you choose an experience custom car shop and avoid any type of DIYLambo door kit installation.

It is as important that you select the product from a well regarded manufacturer and avoid any low-cost Chinese imports from eBay or other marketplaces. As I said before for my vehicle I am selecting a kit from vertical doors Inc. Their LamboDoors Conversion Kits are guarantees an offer maximum safety level for passengers and they are one of the few that make a direct bolt on kit for my Dodge charger. Choosing a bolt on kit means I have the option to go back to my factory interests if I was ever to get sick of them.