Webinar registrationTo register for this web seminar, attendees can visit the Events page on e-Glue's web site at http://www.e-glue.com/events.htm for a complete description of the Webinar and registration instructions. Or alternatively, contact e-Glue by phone at (201) 217-0022.About Shay GrinfeldShay Grinfeld is CEO, U.S. Operations of e-Glue Software Technologies, where he is responsible for North American sales, marketing and product support. Prior to joining e-Glue, Shay was VP of Product Development at ALFY, an interactive media and education company. Shay holds a B.A.

in General Studies/Computer Science and an Executive MBA from Columbia University. About e-Glue Software TechnologiesFounded in 1996, e-Glue Software Technologies is a leading provider of intelligent call center productivity solutions. e-Glue's "just in time" performance support solutions are designed to address the needs of enterprises that utilize CRM or ERP systems?organizations such as inbound and outbound call centers?to handle complex tasks efficiently while using mission-critical applications. The company maintains offices in Hoboken, New Jersey with R&D facilities in Israel. For more information about e-Glue Guideline, visit the company's Web site at http://www.e-glue.com or contact e-Glue at (201) 217-0022 or e-mail protected from spam bots.Copyright ? 2004, e-Glue Software Technologies ? 79 Hudson St.

Suite 506 ? Hoboken, NJ 07030 ? (201) 217-0022.

We will ensure their needs are met and expectations exceeded. This is another validation of the power and effectiveness of Adeptia's product. Our objective is to help our clients' meet their business objectives"?said Lou Ennuso, CEO of Adeptia. ACORD standards based Adeptia Business Process Integration technology seamlessly integrates disparate insurance applications. Adeptia's adaptable business rules can handle ever-changing market demands and regulatory requirements, and provide an opportunity for businesses to be more proactive and efficient.

"Adeptia allows customers to collaboratively create, deploy and automate business processes. Adeptia's product has been designed to resolve simple to complex integration problems ? in an easy, effective manner."? said Deepak Singh, CTO of Adeptia.About Meadowbrook Insurance GroupA leader in the alternative risk market, Meadowbrook is a program-based risk management company, specializing in alternative risk management solutions for agents, brokers, and insureds of all sizes. Meadowbrook Insurance Group, Inc. common shares are listed on the New York Stock Exchange under the symbol "MIG".For further information, please visit Meadowbrook's corporate web site at www.meadowbrook.com About Adeptia, Inc. Adeptia is an enterprise software company headquartered in Chicago, Illinois, that provides business process integration technology to easily and quickly automate business processes across supply chains using industry-specific standards.

Adeptia's unique product combines business process management with business-to-business integration. Adeptia's reusable and highly scalable technology has been deployed by Fortune 1000 companies. For more information, visit http://www.adeptia.comContact InformationRob WalterAdeptia, Inc.(312) 442-4426e-mail protected from spam bots.

Alt will address this national problem and explore ideas to insure more Americans. Ms. Alt's line-up of speakers includes members of Congress, health insurance executives, providers, business owners and consumers. This show is not only for the employer, but the employee, the insured and the uninsured. To access the show, log on at (http://www.health.voiceamerica.com/) Call in live with questions and comments at toll-free at 866-369-3742.SurfNet Media Group (OTCBB:SFNM) (http://www.surfnetmedia.com/) is an online media company and originator of the pioneering online VoiceAmerica Network (http://www.voiceamerica.com/), leading the world in online talk radio, live and on demand.

The VoiceAmerica Network produces and distributes over 100 programs weekly. For entertaining and stimulating talk on todays hot topics, click on VoiceAmerica.com. For the bottom line in business talk, click on VoiceAmerica Business. For the latest conversations on health, click on VoiceAmerica Health & Wellness. New voices, new communities, new devices.

One world, one conversation at a time. Bringing compelling and entertaining content to online communities worldwide..

Does your current insurance policy cover this? Do you retain any sort of client information, either on your computer or in files? If your computer was ravaged by a virus, or your files damaged in a fire, and you didn't have copies of all that information, your clients might hold you liable for the loss. If you have clients visit you in your home office, your homeowner's insurance might not cover their medical expenses should they trip and fall down your stairs or some such. Do you have any employees? Even part-time employees may affect the kind of home business insurance you need. As you can see, there are number of factors you need to take into consideration when insuring your home business. Talking to your current homeowner's insurance agent can probably get you started in the right direction.

You might not even need separate home business insurance. Depending on your business, you may be able to receive coverage for it simply by enhancing your current homeowner's insurance policy. Tip: If you bundle your policies (i.e. car, homeowners, business), you may qualify for a discount. As more and more people pursue home-based businesses, insurance companies are starting to offer more comprehensive coverage at better rates.

Make sure to talk to a number of insurance agents to find out who has the best rates, most options, and best coverage..

With an IA, all you need to do is call. They have the ability to try and find a similar policy with another company; you haven't changed agents, given personal information to strangers, or gone through the monotonous task of shopping your insurance. Instead, you left it to an expert.Depending on the size of the agency you are dealing with, they may represent over 20 different companies. This means you no longer have to go online and fill in the boxes, deal with 1-800 numbers, or "call-around" to different agents, each with one company to choose from. Why have so few people heard of this market? While these companies do represent multimillion-dollar organizations, and some of the largest organizations in the world (i.e.

AIG and Zurich), the majority of these agencies are smaller companies, not having the resources to launch advertising campaigns to the mainstream market via television, radio, and other forms of media advertising. Independent agencies have actually been around longer than the captive market (i.e. Farmers, Allstate, etc), and typically have been known to write the majority of commercial insurance. Captives have taken a larger percentage of the personal lines (home, auto, etc.) market, even though an IA can generally offer them comparable, if not better, coverage. This is due to the captive companies having millions of dollars to put into advertising to draw in the consumer.

On the other hand, many people never know what an independent agency even is. This gives the captive market an obvious advantage, but as people become more educated on this topic, more will look to the independent segment to meet their insurance needs.An IA can obviously bring a lot to the table for any consumer, the real question is: Why are consumers not bringing more of them to the table? By: Jordan Walt, Independent Agent for AIC Insurance Agency.

Step 2: Exchange information If you are involved in an accident, get the other driver's name, address, phone number, insurance carrier, and insurer's phone number. Be prepared to give the same information about yourself to the other driver. You can find insurers' telephone numbers on the proof-of-insurance cards that should be carried on your person when operating a motor vehicle. Step 3: Identify witnesses Ask witnesses to the accident for their names and phone numbers in case their account of the accident is needed. Step 4: File an accident report Contact local law enforcement officers to have an accident report prepared.

If law enforcement is not reachable, accident reports and detailed instructions are available at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site. Step 5: Notify your insurer Contact your insurance company about the accident as soon as possible. An insurance adjuster will review the accident report to determine who caused the accident. If the accident was not your fault, you can have either your insurance company or the at-fault driver's insurance company handle the repair or replacement of your vehicle. If you use the other driver's company, you will not have a claim on your automobile policy and you will not have to pay a deductible.

Step 6: Do not release insurers too early Do not relieve your insurance company of its responsibility until the damages are settled to your satisfaction. For example, have your insurance company handle the claim if the other party's insurance company questions its policyholder's negligence or offers an unacceptable settlement. Step 7: Consider these settlement factors

• Bodily injuries: You may be entitled to a monetary settlement for injuries caused by another at fault (liable) party. It can take several days for some injuries to become apparent.
• Damages: The insurance company is responsible to pay for the reasonable cost of repairs to your vehicle.

  An insurance adjuster will assess the damage. Usually, insurance companies and auto body shops negotiate disagreements about what should be repaired. If you disagree with their conclusions, you have the right to obtain another appraisal at any auto body shop.

• Appraisal clause: Most auto insurance policies include an appraisal clause, which can be used to help settle disputes about physical damage claims between you and your insurance company. (The appraisal clause does not apply for claims you file with the other party's insurance company.) If you cannot reach an agreement with your company, you or your insurer can initiate the appraisal clause.

  Your appraiser and your insurer's appraiser then select an independent umpire to try to resolve the dispute. Check your policy or ask your agent or insurance company for more information about the appraisal clause.

AmeriPlan Health? members will receive significant savings... up to 50% and more on physicians, labs, imaging centers and a full array of medical services.Members have saved hundreds of millions of dollars by using AmeriPlan's? more than 100,000 healthcare professionals nationwide. AmeriPlan is certainly an affordable alternative to expensive health insurance.AmeriPlan? began in 1992, when identical twin brothers Dennis and Daniel Bloom heard the cry for a value oriented discounted fee for service dental plan, and moved forward to create one. The business was the outgrowth of the demand for health care services. AmeriPlan? is a member of the Better Business Bureau and Dun & Bradstreet..

First, medical bills need to be paid, so having good medical insurance is important. Few insurance plans cover everything, so you'll need to have a cash reserve to cover deductibles and extras, not to mention the furniture, clothing and sundries you'll need when the newborn comes home.With a new addition to the family, you'll want to make sure that the entire family (baby, too) is protected if something should happened to you -- that means reviewing life and disability insurance to be sure it's adequate for your new responsibilities.There's the future to start thinking about, too. Will your child go to college? If so, the College Board estimates that secondary education costs are rising 7% to 8% annually, a rate much higher than the rate of inflation. To afford the average $7,000 total costs for a state university, you need to start saving $195 a month. Wait until your child is 7 years old and the monthly amount jumps to $240! So, it's smart to put away a little sum each month.What can you do to accommodate new strains on your paycheck? How can you meet all of your new responsibilities? With an important financial goal (such as educating a child) you'll want to work with a generalist -- a financial planner.

A lot of professionals specialize in areas such as taxes or stocks, but a financial planner helps you understand the "big picture." A qualified financial planner can help you sort through your current financial situation, help you set short- and long-term goals and objectives, then present a "blueprint" designed to show you how you can meet your goals while staying within your means.There's nothing more certain than change. And just as you learn to adapt to the changes life throws your way, you can count on things changing with your finances as well. Trevor J. Wisniewski, MSFinancial AdvisorRaymond James & Associates, Inc..

Booking your holiday online means you can look for the best deals, and search in the comfort of your own home." Darren says the rise of the Internet has made it easier and more convenient to seek out and reserve a holiday home, why stay in an overcrowded hotel, when you get have the privacy that a villa holiday brings. No more shared swimming pools, instead relax in privacy within your own pool. If you're nervous about dealing one-on-one with a holiday home owner, don't be. Darren says that some of the nervousness is brought on by the travel agents, who advise against booking a private holiday rental, as the companies offering rentals are not ABTA bonded. Providing you get adequate travel insurance, and are cautious and follow some simple booking instructions, you can minimize the risk: - Speak to the owner of the property, you can learn a lot about a person, and you'll probably feel much comfortable than communicating through email - which can be impersonal.

- Each property owner will have their own way of processing a booking but, as a guideline, you should expect to pay a deposit to secure the booking of between 10% - 50% of the total rental. This is normally paid either by cheque or by bank transfer and the owner should confirm the booking and receipt of your payment by letter or by e-mail. - Check the cancellation terms with the owner at the time of booking - deposits are often non-refundable and they may have a sliding scale of charges for last minute cancellations after the balance has been paid. We recommend that you ask for any terms and conditions in writing. Make sure that you have the address and directions to the property.

These are normally sent to you on payment of the balance. Some owners will send you a key in advance, some may live on site and be there to welcome you, whilst others may have a local representative or neighbour who will meet you. - Make sure that you have the telephone number of the owner or their representative so that you can call to let them know if your arrival time is delayed. If you encounter an owner who is unwilling to talk to you on the phone, beware. You simply cannot send money to someone you've never spoken to.

Go with your gut feeling. Take out adequate travel insurance, we would recommend that you speak to a travel insurance specialist, and explain the type of holiday you are going to book - that way your going to get the right advice, and the right level of insurance - remember that you'll pay a deposit, if for any reason your ill, or your flight is cancelled or delayed, you'll need insurance to be able to claim the deposit back. - Don't be embarrassed to ask for testimonials from other holidaymakers, or email address / telephone number of other holidaymakers who have book the accommodation. Have a search on the internet, and see if you can "dig" up any bad feedback or reviews about the owners or property rental. "To many this may sound time consuming," says Darren, "Most owners, respond within 24 hours, once you have confirmation of the booking and paid the deposit, then you book your flight, and travel insurance - by leaving the travel agent out of the process, you will save money, and you have the opportunity to research the location and accommodation, before booking, compared to booking with an agent who, let's be honest is trying to get you to book quickly, for commission." Darren says that many travel agents are now realising the potential of the internet, our website alone, is a complete booking portal, you search for accommodation, contact the owner, and then through our travel shop you can book your flights, car hire and travel insurance.

Next time your looking to book your holiday - have a search on the internet, you'll be surprised what you can find..