Auto news on Youtube Nov 27 2018

I've got a question for you what's scarier then ghosts vampires or hundreds of

kids coming to your front door on Halloween night? You guessed it.

Uninsured motorists driving in Louisiana. Did you know that 15% of the drivers in

Louisiana do not have insurance and 40% of the drivers in Louisiana have

only the most basic coverage. So why should that scare you? Because if you're

an accident with one of these drivers you can be stuck having to pay your own

medical expenses and unable to recover any lost wages from this accident. So

what can you do? In Louisiana we have what we call uninsured motorist

coverage if you're involved in an accident and the person that caused the

accident either has no insurance or they don't have sufficient insurance.

That's when your UM coverage will take into effect.

So let me give you an example of that. Let's say Thibodeaux hits you and you

have pretty significant damages from the accident. And Thibodeaux he's too busy

doing his thing crawfishing and LSU football, Saints game. He's not worried

about insurance so he didn't even bother to get insurance. You have significant

damages. Let's say for instance your case is worth about $100,000 and Thibodeaux he

doesn't have anything. He's got a pirogue but he hasn't have anything else so he

doesn't really have any assets and in your situation unfortunately you don't

have UM coverage. Well in that scenario your hosed. You can't collect anything

from Thibodeaux for your losses and you don't have UM coverage through your own policy

to recoup your losses. Let me give you another example I'm going to use

Boudreaux. Boudreaux hits you and Boudreaux

he's got minimum limits and you've got significant injuries again from this

accident but in this scenario you do have UM coverage let's say you have a

hundred thousand UM coverage and let's say that your damages are let's say a

hundred thousand dollars when you consider your past wages, your pain and

suffering, and your medical expenses. Boudreaux's policy is going to pay you your

full $15,000. Well that leaves you with eighty five thousand dollars that hasn't

been paid well that's where your UM policy which you have a hundred thousand

in coverage will come in and pay you eighty five thousand dollars to make

you whole again. So they're going to pay you for your pain and suffering,

which we call general damages they're going to pay you for your medical expenses

your lost wages all that would come out of that portion of your policy you're

UM portion again that's a scenario where Boudreaux he simply didn't

have enough insurance coverage he was under-insured. Now you know I've heard

this many times is that you know why do I need UM coverage?

I've got health insurance it's going to pay me for my medical expenses. That's true

but what it doesn't do it doesn't pay you for your pain and suffering damages

it doesn't pay you for your lost wages so if you're out of work from a serious

accident and let's say you're out of work for six months

health insurance is not going to pay you any of your lost wages. Now of course

they're going to pay you for your medical expenses but they're not going to pay your lost wages

and they're certainly not paying you for your pain and suffering during that six

month period of time. That's all going to be recovered out of your UM portion of

your policy. That's if you have it and that's why you need to have it again

because you know 15% of our drivers in Louisiana don't have insurance at all

and 40% don't have enough coverage so that's why you want to have UM coverage

I'm Blase Inzina with Murphy's Law Undone. Just remember just because it can

go wrong doesn't mean it has to.

For more infomation >> Do I need Uninsured Motorist Coverage in Louisiana - Duration: 3:50.

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DO I NEED TO BIG CHOP?! Trimming My Natural Hair - Duration: 8:51.

Alright y'all so I'm cutting my hair today, I don't know if we're chopping chopping

I don't know if we're chopping or trimming today. We're going to find out in just a few seconds

Yeah, let's just start cutting my hair. I went ahead and put my hair into flat twists because this is a style that I wear

Frequently so I can really see how my hair is gonna lay

once I finish chopping and

I also went ahead and made sure to moisturize my hair with water and a styler , a cream

yesterday

So whatever ends that, you know, just don't look good are just gonna get chopped off

Lo siento si la Luz esta mala pero yo necesito grabar este video y

post it today

by 3pm and it is

12:45. So again, I apologize but I need to film right now, even though the lighting situation isn't optimal

Let's get to cutting!

Literally, I don't have a method. The only thing I'm gonna do is go through each little piece of this twist and

I'm cutting off

the ends

Especially if I can see that the ends have single strand knots and

Split ends. It's just getting chopped off. So I don't know if you can see

But these ends like right up in here are kind of see through

And ion like that

Whoa, I'm holding my breath. It's kind of nerve-wracking guys

Trying to make sure I'm not cutting too much off like I'm not just getting scissor happy

But I also really do need to get those ends

Okay, so I think this twist is a better example of what I'm talking about like

here

You can see

where the hair is nice and fluffy and

Where it starts getting a little scraggly at the ends

Yes, dat gotta go

See here, so I'm having problems I

Technically don't like the fact that none of this right here is taking any sort of shape or form. I

Don't know if that means all of that hair is damaged

So I'm gonna keep moving and we can revisit this section

Okay, so we briefly went through the first half of my head

and

this is how much hair I

Chopped off so far not a lot to be quite honest with you. I want to make sure I wasn't being too scissor happy

But now

I'm gonna just go through this side one more time

And you see how I'm running my hands through my hair and I'm still catching snags

Because there still needs some...there's still hair to be cut

This is what this side looks like right now want to go ahead and start on this side

Alright y'all so that is it for now I

again, lost this much hair Well I didn't really lose it I chose to give it up and

I feel like my ends feel relatively smooth now

Definitely smoother than before. I may look in the mirror and do some final chop chops, but that is it for now

Let me know if y'all think I should have cut more hair in the comment section below

I tried to show you my ends. So let me know if I didn't cut enough of like those dead ends

I need to cut some more. Let me know if I cut too much

That could have also happened. I just wanna hear your thoughts in the comment section below

Let me know if y'all get your hair cut professionally or you do it yourself?

But yeah again

I hope y'all enjoyed this. Don't forget to Like comment and subscribe to my channel y'all and I'll see you the next one. Bye

For more infomation >> DO I NEED TO BIG CHOP?! Trimming My Natural Hair - Duration: 8:51.

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I Need You're Help!!! (Not Clickbait!!!) - Duration: 0:51.

Yo what's up my name is TMText, if you're new to this channel so I need your help

can you give me some video ideas because my channel is basically dead so I need

your help, to help me you need to subscribe leave a like and hit the bell and

comment your parent's credit card details and next to it give me your

ideas what type of videos you want me to make and don't forget subscribe eman up

this I love boobs

For more infomation >> I Need You're Help!!! (Not Clickbait!!!) - Duration: 0:51.

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◤Nightcore◢ → I need your love {Switching Vocals} lyrics - Duration: 2:28.

This video includes lyrics on the screen

For more infomation >> ◤Nightcore◢ → I need your love {Switching Vocals} lyrics - Duration: 2:28.

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Nine Percent - I Need A Doctor - Duration: 3:27.

For more infomation >> Nine Percent - I Need A Doctor - Duration: 3:27.

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『MV Reaction «NINE PERCENT - 《I Need A Doctor》»』 [ENG] - Duration: 4:22.

Mode*

For more infomation >> 『MV Reaction «NINE PERCENT - 《I Need A Doctor》»』 [ENG] - Duration: 4:22.

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Episode 42: Do I need to learn how to have successful difficult conversations? - Duration: 2:48.

Do you really need to learn how to have successful difficult conversations? Well,

maybe you don't and this activity will help you work out if you do. So this is a

great activity to do as a group, maybe with your SLT or a year group team. What

you do is on a sheet of paper or board put three headings up: The first is

black-and-white issues. Now by this I mean quite straightforward issues, things

like lateness, inappropriate language, inappropriate clothing, things that it's

quite clear that this is what you can do and this is what you can't do. The second

category are performance issues. So this would include issues like marking, a TA

not doing interventions well, perhaps attendance data not being accurately

entered, anything that's about the job itself. And the third category is conduct.

Now by this I'm talking about adult behavior. That could be I'm not a team

player, it could be that I'm rude, that I come across as lazy; anything like that.

Now this is the category to really watch out for because what you need to focus

on is the behavior. People often think well that's just how they are, that's

their personality, but behavior has a huge impact on the effectiveness of your

team so don't be lured into thinking 'oh we can't we can't do anything about that',

maybe you can't but really think about is that the behavior the conduct we want

from adults in our school. Then as a team you can either together, write on the

board or page what issues exist under those three

headings. Or another way of doing it is put them all on post-it notes and then

pop them up, obviously taking out the duplicates. When you stand back and look

at it you might find there are very few. In which case, whilst difficult

conversations is a good leadership skill to have it might not be the most

important one for you and your team. If there are lots then get out something

that perhaps you do want to think about learning more about, maybe it's signing

up for these top tips or however is best for you. Give it a go

and let me know how it goes. I'd love to hear and if you and your team would

benefit from getting these top tips into your inbox on a weekly basis then sign

up at ukheadsup.com/headsuptv and if any of you have a

question that will help you have more successful difficult conversations then

ask me. I'd love to hear from you, you can ask me at ukheadsup.com/asksonia