Personal Directive Alberta 2008-2025 Form

Although every essay writing service provider has a unique way of doing things, I can summarize their operations in four simple steps.You register with the company by filling a form that needs your personal information.Place your order detailing all the requirements of the paper.Sit back and let the writers do the work.Receive the paper and review it, then pay.However, most will let you request a revision if you are not satisfied even though some will charge you.Though that sounds quite easy, I would also suggest working with a writer or consultant directly to help you interact one on one.The advantage of working with clients directly is that;You can follow the progress by interacting with the writer at intervals.You can bargain the cost of the work unlike with companies where the prices are fixed.Also, you get instant feedback and clarifications whenever there are issues.You build trust with a single writer, which creates consistent quality and writing style.Although you may recommend the same writer with the writing companies, you might not get them every time you need their service.Having been in this industry for the last five years, I understand the nitty gritty of the essay writing services. If you need high quality, unique, and timely essays, get to me through the following firstgradeessays@gmail.comThank you

360 Feedback is the process of getting feedback from Internal Customers, i.e. Seniors, Juniors and Peers and from External Customers i.e. Board Members, Customers/Vendors/Partners.It is a collated view on various questions asked on a person’s Behavioural attributes and Skill set.Various questions are asked to understand which are the top attributes of a person, which can be improved.This helps people to drastically understand what people perceive of their skills and can help them improve. Also there has been a seen a lot of times, the hidden strength of employees get discovered and also some of the skills which should be started by employees and some which should be ended.Some of the behavioural attributes that can be measured are :Ability to collaborateAbility to prioritizeEffective governanceFunctional and technical skillsThought leadershipUnderstands our offeringsWork ethicsSome of the Performance Attribute that a person can be measured upon are :Shares important information and keeps everyone updatedExpresses information and priorities clearlyDemonstrates a willingness to accept feedbackReacts to situations appropriately and maintains self-controlIs fair and honestLeads by example and acts as a positive role model for othersRecognizes good work and reports success towards signNowing goalAlso most important part is to give people a comprehensive view of the reports generated.Click the link for sample report : 360 Feedback ReportWe do it for our users at GroSum, to help them understand better and improve.

The story of how my wife and I met. Most people think we embellish, or otherwise alter our story, but it is 100% true. I'll be as brief as possible without leaving out any of the major details.In my small hometown (Athens, Alabama - pop: ~20,000), Wal Mart was the place to go for most of your needs, especially if you needed more than groceries. I was in Wal Mart on evening browsing the electronics/music section when I catch a glimpse of this absolutely STUNNING girl walk by. I was 18 at the time, out of high school, but still painfully shy, as I'd always been. However, I was at once smitten and REALLY wanted to talk to her, so I did what any painfully shy 18 year old guy would do, and followed her, at an overly-cautious distance until I could hopefully maneuver around to "accidentally" meet her face to face, as approaching from the rear, as much as I was enjoying the view, was ridiculously intimidating.I tried. Hard. I failed miserably.She apparently didn't find what she was looking for and I obviously discarded any need to further peruse the CD selection as soon as I'd begun stalki... I mean pursuing, so out the front doors of the store she went, and in a "if she knows what I'm doing she'll call the cops" move, I followed still, maintaining a careful distance. Into our cars, out of the parking lot, and down the road...At this point, I begin to question my own sanity... I push myself to make either a firm commitment that, if she does stop somewhere else, I WILL actually speak to her, or to go ahead and drop this madness, and just turn around. If she does stop and I do follow, what if she recognizes me from Wal Mart? Won't that be instant "Ewww, go away!"? But I don't think she actually saw me, at least not in a way that would register that I followed her. She turned into a convenience store. I followed. I'm SOOOOOO going to talk to her. I let her go in a few moments ahead, then followed. I enter the door and sure enough, she's got a drink in her hand and is walking back to the front of the store. This is it. Face to face. I look up and our eyes briefly lock...Her eyes... Oh my God... I'm absolutely stunned. They are the most intriguing green-ish, gray-ish, and... almost... am I seeing this right... yellow-ish, ridiculously unique and captivatingly beautiful. I know the look on my face had to look exactly like Raphie Parker's face in A Christmas Story, when he's locked eyes on the Red Ryder in the Higbee's storefront display. I smile sheepishly, nod, then walk to the back of the store, feigned interest in whatever drink I end up buying, and watch as she drives away into the night. Failure. Utter failure.A few weeks later, I'm at work and get a call from a long time friend whom I hadn't heard from in quite some time. He owns a small sporting goods store in town, and says he has this girl working for him who is "trapped" (his words) in a relationship with an "older guy" (again, his words) who doesn't treat her too well. He knows I've dated some good looking girls (I wasn't as shy when I was properly introduced, it's the whole "cold approach" that terrified me) and wanted to know if I'd come try to steal her away and save her. Not exactly how I like to start a relationship, but it sounds like fun. What 18 year old guy doesn't like a good challenge, right? The next day I take my lunch break and head to his store. I walk in and ask if Steve is in, the clerk goes in the back to get him and I walk over to the baseball caps. I hear Steve's voice as he approaches, talking to a female, but I can't really make out what they're saying. He walks through the swinging door, I walk over to shake his hand, but when the door swings back open the other way, I stop dead in my tracks. Was that...? Surely not... I look nervously back and forth from Steve to the door. Just a moment later, she walks through. Those eyes... it's her. I give myself a pep talk, knowing I'll be bolstered by having a mutual party to break the ice. "Game on. You got this."She's every bit as beautiful as I remember. Our eyes meet again and this time I smile as Steve introduces us, she holds out her hand. A handshake? It's different, I guess... I can deal with that. I grasp her hand, lightly but tight enough to control the duration of our touch. I hold my gaze into those eyes as I hold her hand. "It's... (very brief dramatic pause)... nice to meet you." I say, infinitely more confidently than it reads here. Her name is Casey.Then... as my eyes quickly take note of the rest of her face, and I release her hand, my rememberer begins skittering back many many years... I've seen her before. WAAAYYYYY before I stal... before I followed her from Wal Mart to the gas station... In my head, gears whirr and bells clang as I search through my internal index of faces from my past... Then the mechanics grind to a halt. The school bus. First grade. FIRST GRADE??? Out of my mouth, before I've given any real thought as to how the ensuing conversation might go, gush the words "Did you go to East?" (East Limestone, one of the "county schools" in Limestone County) Only I knew she didn't go to East, I did. I went from Kindergarten through graduation, and I most certainly would have known if Casey had gone to East. I scramble back through my memories for more details, as her reply comes..."No. I went to Clements." (Another of the county schools, Clements was on the exact opposite side of the county. Yes, there is a "West", but it's farther northwest than Clements.)In an instant, clarity. There was a little girl that rode the same bus I did, but only for a year. She was in kindergarten when I was in first grade, and she cried. Every. Single. Day. She would cry to stay with her mother. I remember now... THAT little girl's name was Casey too... I had often wondered what happened to Casey. This was long before homeschooling was an option for kids who just didn't want to go to public schools, so I had assumed they had moved, but in my mind, of course, they went much farther than the other side of the county. I remembered on many occasions offering her something, anything she wanted, from my lunchbox, to try to make her feel better. I hated to see her cry."You didn't go to East, not even in..." I began, before she finished my thought, "... in kindergarten, I did. How did you...""And you rode Mrs. Walker's bus... right. You cried, every day... I remember. That was you, wasn't it?Stunned, she stared deep into my soul. "Yes. Did you... were you the boy that..." "Yeah.... I hated to see you so upset."And now, a full 13 years into our marriage, I still hate it when those beautiful green-ish, grey-ish, yellow-ish eyes shed a tear.And yes, I later told her about the Wal Mart incident, which she found incredibly endearing, thank God!EDIT: By request, here's a photo of us. When we have the kids with us, it seems she or I always end up behind the camera... Just look at those eyes...

Depends on the state, depends on your age and your background. Let's assume you are not a felon or suffering from mental illness. You have not been dishonourably discharged from the military and have no documented history of drug use or domestic violence. Although you are a Brit, let's assume you are allowed to work and live in the USA and have permanent residence there (green card is fine, you are NOT there in tourism, studying or business). Let's also assume you do not want to open carry (carry your gun in public unconcealed) or closed carry (carry your gun in public but concealed) as they require additional permits.Federal law says licensed firearms dealers cannot sell a handgun to someone under 21. There is an exception - private sellers. If you were to go to a gun show and buy off a private seller, or even used the internet to find a seller with Craigslist or whatever, you could do that legally at 18. However, as you say buying in a licensed gun shop, that is who we shall deal with in each state.In Alabama you can walk into a gun shop and buy a semi automatic pistol as in your example without a license. You don't need a permit to purchase. You don't need an owner license. There are no background checks required for private sales either. There is no cooling off period (minimum number of days till you can buy another gun), nor is there a waiting period between buying the gun ad actually being handed it over, nor do you have to pass a proficiency test when purchasing the weapon. The only “difficulty” will be that you will have to show ID to the gun shop owner to prove you are over 21 (and if you look old enough, you won't even be asked for that).if you want to buy a long gun or a shotgun, you only need to be 18.Licensed gun shops have to use an automatic background check on you, but again, as you are not a any of the things described in the first paragraph, you are all fine. The form is ATF 4473, which has 15 simple questions on it. The gun shop use the ATF website to check your form against the database. It is a near instant process after submitting it before being approved And with that you are ready to go. AL.com worked out that you could buy a handgun in 20 minutes in such a way.AK has the same laws, as do AZ, AR, DE, GA, ID, IN, KS, KY, LA, ME, MI, MS, MO, MT, NV, NH, NM, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WYCO is equally easy, but you will not be allowed to purchase a high capacity magazine (holds more than 15 rounds) for your gun.So in answer to your question, there are 36 states where it is as simple as your question states to buy a handgun from a shop.FL is equally easy, but there is a three to five day waiting period between your purchasing the gun and being allowed to actually collect it from the shop in a handful of counties.Of the states in which the answer to your question is “no, rather harder”:CA requires a firearm safety certificate after a written test to purchase a handgun, although no owner license is required. Magazines containing more than ten rounds of ammo are illegal. A brief practical exam “safe handling demonstration” (demonstration proving knowledge of how to handle a firearm safely) is also required. You can only buy one handgun a month, and there is a ten day waiting period between buying a gun and being able to take it home.CT requires a certificate of eligibility for pistols and revolvers in order for you to be allowed to purchase a handgun. You cannot own magazines containing more than ten rounds.DC formerly banned handguns (refused registration after 1976). That has now been overturned. You still need to pass a rigorous and detailed test to get a certificate to buy a handgun though. You cannot buy magazines with more than ten rounds. There is a ten day waiting period between buying the gun and being able to take it home. You can only buy one gun a month.HI requires you to get a license to buy a handgun. There is a ten day waiting period before you can collect your gun.IL requires you to have a FOID card, which is basically a license, in order to buy. There is a three day wait between buying a handgun and taking it home. In Chicago you can only buy one gun each month (they formerly banned all sales within the city).IA requires you to he a permit to buy a handgun, and to wait three days before collecting it.MD requires you to have a license to buy a handgun. It is illegal to buy or sell magazines of over ten rounds in MD, however you may legally buy a larger magazine outside the state and bring it back, as long as you do not then give it to someone else within MD. you can only buy one gun a month and must wait 7 days before collecting a purchased handgun.MA requires a license to buy. Magazines of over ten rounds are prohibited unless you buy one made before 1994.MN requires a license to buy, and a week’s waiting period before collecting the gun.NE requires a license to buy,NJ requires a license to buy. Only one handgun can be bought in a month. There is a 15 round limit for magazines. There is a week’s waiting period between purchasing a gun and being able to collect it.NY requires a license to buy. Magazines containing more than 7 rounds cannot be purchased. If you bought a 10 round magazine prior to 2013, you may continue to use it, but it is a felony to put more than seven rounds in one of these ten round magazines. NYC only allows you to get one handgun every here months.NC requires a license for buying.RI requires a license and a seven day waiting period before you can pick up your gun.In summary: in two thirds of the states in the US, it is indeed very easy to buy one or indeed multiple guns as long as you are not breaking federal laws in the first paragraph.The laws regarding concealed/open carry/long guns/private sellers are obviously different

Personally, I feel filling forms are never fun, We can just make it less boring with some techniques. As far as,the fun element is concerned, they can always be added through visual aids. Our mind fundamentally is more of a visual tool than that of a Textual tool. Even the  fun elements can be added as part of design, here are some suggestions:Lets reduce the Cognitive load with adding simple interaction elements like Buttons, sliders, drop down menu. The idea is to include the natural human tendency to act in a certain way. A lot of animations and Jquery can actually make the form unusable.The Visual Load can be reduced with keeping the basic eye movements under consideration while designing the fields.  In below image we can see how designing form in certain way can lower visual load. The Motor load can be diminished with the use of larger intuitive buttons.I am writing down some of the ideas that I know with which we can make Form Filling Less cumbersome if not playful or fun, You may add in comments too.The idea is create Engagement/Interactions not forms. E.g. Take for example Tripit. This application for managing your travel plans by using your travel confirmation emails could easily have asked all new members to sign up through a registration form. Instead, to the join the service new members simply have to send Tripit a travel confirmation email. From this email, Tripit creates an account and extracts the information it needs to create a rich travel plan for new members. No form required. People sign up for Tripit by using it and learning what the application can do for them.A different type of Sign Up form  Minimize the Key Inputs, try to make it point and click for web and Touch oriented for Mobiles.Using Web Services for Login : Web services allow people to log-in to a new service using their profile and contact information from other Web sites. The idea here is to make use of information people have already provided elsewhere instead of having them fill it all in again on your sign-up form.Other Communication Tools like Email. Tripit already uses it, Posterous, which is a blogging service, let you write a blog post in your email, attach a photo, send it over to Posterous, and they'll essentially publish that whole thing for you, no need to ever get out of your email client. The idea is that input can come from anywhere. You can use your email client to provide input. You can use your IM client to provide input. You can use Twitter, or you can use your calendar. You can use book marklets or browser extensions. Mad Libs forms ask people the same questions found in typical sign-up forms in a narrative format. They present input fields to people as blanks within sentences. Create Data Extractions points at various points of user interaction.  Asking people for information once they are already using an application is often more successful than asking them before they start using the application. These days linkedin.com is trying to do the same.

1. Quora works by having the community ask and answer questions. When you want to know more about something, Quora delivers you answers and content from people who know the answer - like real doctors, economists, screenwriters, police officers, and military veterans.Ask questions when you have them. Here is more info on how to get your questions answered: What are some good ways to get people to answer my questions on Quora?Answer questions when you can!2. Use your feed and tell Quora what you're interested in reading.Your feed is filled with stories that interest you. You can view your feed by going to the home page.Build a good feed by following topics and people, and taking actions in feed that tell Quora what you like. For more on this, see: How do I personalize my Quora feed?Topics: When you follow a topic, questions and answers tagged with that topic will appear in your feedPeople. When you follow people, you will see questions and answers posted by these people in your feed.The easiest first step: start by following some topics that you care about and some people who write about them.You can also read some interesting questions and popular answers to get a feel for the site.3. Upvote answers that you think are helpful.When you see a good answer on Quora, upvote it.Your votes help people see good answers and make Quora better.You can learn more here:What are some frequently asked questions for new Quora users?What does a good question on Quora look like?What does a good answer on Quora look like? What does it mean to "be helpful"?

I was going to answer anonymously because I’m sure some who see this are going to be confused. Why is a man talking about pregnancy and abortion as if he knows what it’s like? Well because I have a uterus and have given birth. I also thought about being anonymous to protect myself in general. I decided against it. So with that out of the way, my story.I was the poster child for reasons why women are generally accepted to be allowed to have abortions.When I was 19 I became pregnant. It was too soon, I was too young, I had no real job prospects, could barely take care of myself. The father wasn’t involved in the least and was heavily into drug use. We were using condoms, but one of them broke and now here we were with me pregnant and him looking for a way out. I didn’t have an abortion. My son was adopted and is now a happy and healthy 18 year old man on the other side of the country.When I was in my mid twenties, I was in an abusive relationship. This relationship resulted in two children that were not born of consensual sex. The consent stopped within a couple of months, but by the time the beatings and the rape started I was too mentally and emotionally broken down to recognize it. My children were born from rape and abuse, but I didn’t have an abortion.I became pregnant with my older daughter while using the pill and condoms. Both failed. When I conceived my youngest, I was using the pill and an IUD. Both failed. My children were born despite my attempts to prevent pregnancy, but I still didn’t have an abortion.When I went in for the first appointment with my youngest child, my doctor was shocked and horrified that I’d become pregnant with an IUD in place. It was something he hadn’t seen before in his own practice, or at least not that he’d seen where the IUD hadn’t fallen out or gotten dislodged. And this wasn’t a young doctor, he was the doctor that delivered me. He did an ultrasound to check the placement of the IUD. Nope, it was in the right spot. He couldn’t find an embryo though. This meant one of three things. Either I’d already had a miscarriage, the embryo was ectopic, or it was in an odd position he couldn’t see. I remember him sitting down with me and having a long conversation about ectopic pregnancy and abortion. We didn’t have much time to decide. Ectopic pregnancies are never viable he said. I remember him pulling out all the documentation, and I could tell this was a conversation he’d had before. Having to tell pregnant women that not only would their pregnancy not survive, but that if something wasn’t done quickly, they would die as well. I thought of my older daughter at home, at the time 18 months old, and my abusive partner. I thought of her having to grow up without me to protect her. He suggested that we have a second ultrasound to look for the embryo just in case. I agreed to the abortion on the condition that she couldn’t be found in the second ultrasound or that she was found to be ectopic. We agreed. I left his office and felt numb.The next day, I had the second ultrasound. Almost immediately on the screen was a circle of black with a moving figure the shape of a kidney bean in the middle. I was pregnant. She wasn’t ectopic. All was well. I called my doctor as soon as I got home, canceled the abortion and completely the pregnancy. It was hard. I lost 65 lbs from the first appointment to her birth. I left my abusive ex and bounced from relative to relative heavily pregnant with a toddler in tow. I had minimal income, no childcare, and no real options available. I left with a basket of laundry, my child, my pregnant belly, and my dog. I still didn’t have an abortion.Now if you’ve gotten this far I’d be willing to bet you think I’m pro life. All these perfect storms that most people would recognize as being a situation where a woman should be allowed to abort. I did all the right things, my birth control failed, I was raped, I was young, my life was at risk, and look at me go, I didn’t consider killing my children to be an option. Except that I did. In all three of my pregnancies abortion was considered. In all three the fathers asked me to have one. In all three I thought about it long and hard. And in all three, I found that I was in the privileged situation where it wasn’t actually necessary. Sure it wasn’t easy, but it also wasn’t impossible. I didn’t have abortions in any of my pregnancies because I didn’t feel that I had to.Here’s the thing though. I’m aggressively pro-choice. You read that right. My tubes are currently tied but if I were to become pregnant again? You can bet your ass I’d have an abortion, and I wouldn’t think twice about it. Why? My first pregnancy left me with separated abdominal muscles that have never healed. I have no strength in my upper abdominals. My second pregnancy ruptured a disk in my spine that left me with near crippling back and leg pain that still kicks up on a routine basis 13 years later. My third pregnancy left me with an 8cm by 6cm hernia in my lower abdomen. My body is literally falling apart as a result of my pregnancies. If I were to become pregnant again and attempt to carry to term, there’s a high likelihood that neither I nor the pregnancy would survive to term because of my medical conditions. And that’s not even taking into account my transition. I plan a full hysterectomy as soon as possible as part of that process just because my history with birth control isn’t the best and I don’t trust my own body to stop being an obnoxious, sabotaging, asshole.“But Brandon!”, you might say, “That’s a different situation! That’s one of those allowed instances! Surely you can’t support abortion in other cases.” And that’s where you’d be wrong. I support abortion in all cases where a pregnant woman and her doctor feel that it’s the right decision for her. I feel this way because yes, I made the decision to give birth to all three of my children when I didn’t have to. When abortion would have been considered acceptable under all but the strictest of moral arguments. But giving birth in all three of those cases was my choice, no matter how hard it was, no matter the dysphoria it caused me that wanted to rip off my own skin more often than not for nine months straight. I chose to do it anyway. Who am I to take that choice away from someone else? Who am I to tell a woman, even in the same circumstances I was in at the time, “You don’t get to make this choice for yourself because I didn’t choose that option.” Who am I to dictate someone else’s life for them? More than that, I made the choices at the time knowing my own strength, my own capabilities, my own privileges, and my own resources. These are not going to be the same for every pregnant woman. Even if the reason is as simple and seemingly superficial as “I don’t want to”, who am I to tell that woman that no, she must be forced against her will because it’s what I have chosen in the past? Who is any of us to tell that to a stranger? Particularly when we have no connection to her or her pregnancy, no intention to support her before, during, or after the birth? No intention of doing anything for the child we’re forcing her to have? And don’t tell me “Well welfare”, or “well charity”. No. You don’t get to take the easy way out any more than I allowed myself to take the easy route. If you want to tell a woman, any woman, that she cannot control her own body, then it becomes your responsibility to care for that woman and that child. You become responsible for feeding it, diapering it, comforting it at three am so that woman you forced to have it can get some sleep. You pay the bills she can’t cover because she’s unable to work while on bedrest, giving birth, or recovering. You pay for the scholarship she loses because she has to drop her college courses to have that child. You take her into your home when her conservative parents call her a whore and kick her out of their home with no where to go. You donate your own organs when hers shut down because her body can’t safely handle the pregnancy. And then you do it for every single other woman who can’t access an abortion because of your decision that she can’t make that choice for herself. Can’t do that? It’s too much? Then don’t vote for policies and lawmakers who would remove that right to choose. It’s as simple as that.EDIT: I just wanted to say WOW and thank you to all the views, upvotes, shares, and support! I was a little hesitant when I thought about posting this because it goes into a lot of painful parts of my life, but the support I’ve received has made it worth it. I had no idea my story and this answer was going to resonate with so many people, and I’m humbled by the kind words I’ve seen in the comments and shares.

I was around 5.The first time I was clearly uncomfortable for being categorized as male/female happened in kindergarten.I was very disturbed when a kindergarten teacher asked boys to stand on the left, girls on the right during a stage performance. I froze in the middle, unwilling to head to either direction. I remember I cried so badly when I told the teacher I didn't want to be on either side and the teacher thought I was throwing a tantrum.My heart missed a beat when I saw the registration form my grandpa had filled out for me. I saw the section gender. I had an urge to cross it out and write N/A instead. At the same time, I was wondering — is every single person in the world either male or female? No one is something in between? Why is that?When I started middle school, we were required to wear uniform, and the uniform was unisex. As I grew older, I started to dress up in an androgynous way. Several classmates in high school thought something was seriously wrong with me. Later on, one of them told me they thought I had zero awareness of gender, and that I looked a bit lunatic.After I came to the US, each time when I was filling out some online school/job application form, I almost always chose “decline to identify.” It was not an intentional act, but automatic, something I felt entirely comfortable with.That said, I didn't even know the phrase gender non-conforming until last year. Despite people on Quora are very liberal, the world in general is still very conservative. 99% of the world population think there are only male and female, nothing else. Plus, grown up in a third-world country, even transgender is extremely rare occurrence, let alone gender non-conforming. No one really gives a shit at gender identity when more than half of the citizens are still starving.So, unless I'm on Quora, I pretend to be gender conforming in real life. It's a way to compromise, if I still want a paid job.(*DeviantArt says this is gender non-conforming pride flag. Okay, looks better than the new rainbow flag)

Where to start.First, the insurance industry is going through a major upgrade where a lot of the past inefficiencies are being solved and ironed out.There are inefficiencies at various stages of the insurance process. I will discuss two of the major ones:DistributionWhen you buy insurance, there are three main ways to buyGo to a lead generator online that shows you multiple quotes and then sells your information to insurance agents.The Problem: no one likes being cold called and having their information sold for a profit. You have to finish up your buying process over the phone and are often tossed around between lead generator, insurance agent, and insurance carrier. An example of a lead generator is EverQuote. This is the worst experience for the customer.Go directly to a carrier website and fill out one application and get their quoted price.The Problem: First, the carrier you go to may not be a good fit and just outright deny you a quote after all your work. Second, if you want to check prices on 5 different carriers, you have to fill out five applications. This leads to entering a lot of information five times. You also don’t really have an easy way to compare what is offered in the policy and how the coverage in the five policies compare.Go directly to a brick & mortar independent insurance agency, speak with one of their agents in person or over the phone, and fill out one application and get many prices.The Problem: you may have to visit a physical office. Only open during business hours 9–5 M-F. You have to make one/multiple phone calls. That being said, this is your best option out of the three listed, because you get an experienced professional looking at what you need and shopping not just on price, but quality and value of your policy.I’m trying to create a fourth option to make the insurance buying process more efficient. My goal is to make insurance shopping as easy as buying a plane ticket:What if there was an online insurance agency that allowed you to fill out one simple form online, you submit, and they do the shopping for you with multiple carriers, never sell your information, and send you multiple insurance packages to compare from multiple carriers all crafted for your specific needs. I work only online, email, text, and chat. No picking up the phone, no going to an actual building, and no “only open M-F 9–5”. Of course you can still call or come visit us if you want to, but we realize that is a less efficient shopping process.Now on to another inefficient area of insurance…Inspection & ClaimsInspection and claims is another part of the process that is extremely expensive and inefficient, but it is harder to solve without increasing fraud. Keep in mind that around 10% of claims paid out by insurance companies are fraudulent, so you often need an experienced professional to do the inspection during the initial application of the policy and during the claims process. This is inefficient because it requires scheduling a time, having a person physically drive out to the location of the property, and spend an hour looking at the place and writing a report. This person is expensive.This process is being improved by technology in ways such as using google maps, drone imaging, and even asking the customer to take video and photos of the damage or property to be covered. However, it still has a long way to go before it is anywhere near automated.

A personal directive in Alberta is a legal document that allows you to specify your preferences regarding medical treatment and personal care in case you become unable to communicate your wishes. This directive empowers your appointed agent to make decisions based on your stipulated preferences, ensuring your wishes are honored.

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