Old School Online Gaming

Ever wondered what your parents and the adults played for fun back in their day? Or before the existence of Nintendo Wii's, Playstations, and World of Warcraft, what were the games that people played with the computer? Online gaming back then was not as high-tech as what you play now but they delivered the same amount of fun that today's online games give you. Take a journey down old time geekery and see what was deemed as hi-tech back then:

1. # TradeWars 2002
A space game developed in 1984. In TW2002, the player is a galaxy trader where the main objective is to gain control of a limited set and amount of resources, as you travel in different sectors of the galaxy. Using your earned wealth in trading, you can upgrade your spaceship, get better weapons and fight for control of planets and starbases.

2. # MUDs
Also known as Multi-User Dungeon, this is a text-based multiplayer real-time virtual world that started in 1978. It combined elements such as role-playing games, hack and slash, player versus player, interactive fiction, and online chat with a fantasy setting populated by fictional races and monsters. The objective of the game is to slay monsters, explore a fantasy world, complete quests, go on adventures, create a story by role-playing, and advance the character.

3. # MUSHes
MUSH, generally called a Multi-User Shared Hallucination, is somewhat of a text-based Second Life where you can create anything you want, be anyone you want, and do anything that you want in a multi-user game. With the popularity of MUDs in the 1980s, many variations emerged such as TinyMUD in 1989. MUSH was then created by Larry Foard who used TinyMUD's code and added a different programming language.

4. # Hunt
The old school Before Doom, created in 1985 by Conrad C. Huang and Gregory S. Couch, is represented using ASCII characters on an 80×24 terminal screen. Hunt is a multiplayer game where each player wanders around a maze, killing off other players using guns, bombs, and slime. Players can also form a team. The maze, when destroyed, regenerates over time, during which "deflectors" appear, changing the direction of the projectile. Sometimes a "wandering bomb" appears, exploding when contact is made.

5. # Empire 3.84
Considered as the grandfather of all Internet games, Empire 3.84 is a risk-like conquer-the-world game with its original version appearing in 1971 on a PDP-11/45 mainframe computer at Harvard University. It gained popularity for being cited as one of Sid Meier's inspiration for Civilization PC game series.

6. # BBS Door Games
Since the technology in the old days was pretty much text-based, online games back then usually were also text-based games played over the modem on an amateur-run bulleting board system (BBS). Supporting only one phone line, there was not WiFi back then, so players usually had to take turns when playing, but still they can compete against each other.

7. # FIBS
The First Internet Backgammon Server pretty much tells us what it is, it's the first backgammon server on the Internet. Started in 1992, it has become one of the most popular online games to play backgammon against other players around the globe.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

3 Innovative Ways To Attract Money To You

It’s no secret everyone yearns to have more money in their wallet or bank account. Developing a healthy relationship with money is essential if you want to have more of it.

Money is, after all, just another energy. Yet so much emphasis has been placed on it.

We are told as children that money doesn’t grow on trees.

We are pushed to ‘keep up with the Jones’ and over and over we are told ‘money is what makes the world go ’round.’

All of this gives money an inordinate amount of power.

If you have an unhealthy relationship with money, you will never create the abundance you wish you had. In order to change your financial world, you need to change your feelings and paradigm about money. You need to change the way you think, feel and act about money.

If you believe you will never have enough money, you will never have enough money. What you focus on the most gives you exactly what you focus on the most.

These fun and practical little tips will magnify your energy and get the Law of Attraction sending more prosperity your way.

  1. Learn to pick up coins from the ground: Ask my friends and family how many times I find coins on the ground and it will blow you away. I always pick them up, hold them to my heart (Thanking The Universe) and then put them in my pocket. Even if it’s just five cents, make sure you bend down and pick up the money! You’ll show the Universe that you are open to collecting abundance. When you feel like you’d be embarrassed or self-conscious about doing this, I want you to re-frame it so that you are looking after the money. You are a conscious custodian of cash making sure that money feels loved. This generates the energy of appreciation.
  2. Write Yourself A Check: Do you know the story about Jim Carrey? Jim Carrey was a struggling young comedian trying to make money in Hollywood. He was just about to give up his dream of becoming a professional actor and comedian when he was booed off the stage at an open mic session in an LA nightclub.Jim sat by himself at the top of Mulholand Drive contemplating his success or failure. He then pulled out his check book and wrote himself a big fat check for $10 million dollars and made a note on it: “for acting services rendered.”He then carried that check with him in his wallet everywhere he went from that day forward.By 1995, after the success of his blockbuster movies: Ace Ventura: Pet Detective, Dumb and Dumber, and The Mask, his contract price had risen to the price of $20 million dollars.Write yourself a check for a specific amount and place it in your purse or wallet.
  3. Learn to love your bills: Sounds crazy right? Hold on as I explain. When bills land in your e-mail inbox or your mail box make sure that you mentally send them love and say thank you to the Universe for the services you have received in exchange for the bill. Draw little hearts on them and use the bills as an affirmation that prosperity flows into your life in many forms in order for you to pay your bills on time. Whatever you do, don’t send the bills negative energy. Try and re-frame your perspective. Remember that more than 80% of the world’s population survive on less than $10 per day. There’s something to think about.

Developing a healthy relationship with money is critical if you are someone who wants to attract more of it. Continuing your unhealthy relationship is a choice and quite honestly a bit of a cop out. Even if you just want enough to survive and occasionally take a little vacation, adopting a healthy relationship with money is imperative to achieve that.

The State Of Paralegal Employment In The United States

In 2004, Paralegal jobs and legal assistant’s jobs amounted to about 224,000 positions in all sectors of the economy of the United States. 84% of these had Paralegal qualifications above both Associate’s and Bachelor’s Degree, with about 10% Paralegals who had higher degrees leaving only about 6% Paralegals who have been trained on the job and working without formal Paralegal education.

As was in the beginning, private law firms controlled the lion share of employing about 70% of all working Paralegals then; today, according to present day employment statistics, this number has fallen as the Paralegal profession continues to expand into deferent fields of human endeavor. Many paralegals and legal assistants these days work for corporate legal departments and various levels of government agencies and None governmental organizations..

The U.S. Department of Justice is the largest employer of Paralegal within the Federal Government, followed by the Social Security Administration and the U.S. Department of the Treasury. State governments and Counties are also increasingly employing Paralegals to help make legal services available to the common man on the street.

More Paralegals are setting up private Paralegal offices in states where the law provides such privileges and work as freelance legal assistants, contracting their services to attorneys or corporate legal departments.

It is hoped that in the nearest future the Paralegal profession would be robust enough to receive country wide approval for Paralegals to practice freely providing legal assistance to all and sundry according to the law. This will be a step in the right direction considering that in the United Kingdom, Solicitors play the same roles as registered legal practitioners.