
Thomas asks…
is colorado casualty insurance company reliable, it is a member of liberty mutual?
I got great quotes for car and home insurance combined by colorado casualty insurance which is a member of liberty mutual ,any advice and experience with this company?

answers:
Reliable usually means, will they have money to pay my claim when claim time rolls around. For that, we go over to www.ambest.com to check the rating. Yes, it’s an A rated company. So they’re financially solvent, and likely admitted to do business in your state.
That’s my definition of reliable.

Steven asks…
Is colorado casualty insurance company reliable, it is a member of liberty mutual?

answers:
Liberty Mutual is an old line company that has been around for nearly 100 years. I’ve done business with them before and would do again. You’re not dealing with a fly-by-night operation.

James asks…
colorado casualty insurance member of liberty mutual good car insurance?
want your experience

answers:
With A rated carriers, “good” insurance is more about having a “good” agent – that will help you out if there is a claims issue, and “good” coverage – which means, adequate coverage for your needs. It ALSO means, that your agent explains everything to you in advance, so you know what you have and what you don’t have, BEFORE the accident happens.

Helen asks…
How do i find out if a car insurance company is a real company?
I have Geico right now.Got into a reck they raised my insurance 3 times is much i was paying. I found a company Colorado Casualty,They said they will give me insurance at a good price less than i first started with Geico 4 years ago.S o i want to check this company out ,but don’t know how.

answers:
Colorado Casualty is part of the Liberty Mutual Insurance Group, which is one of the biggest insurance groups in the U.S. You will be fine going with them.
Here is their website.
Http://www.coloradocasualty-ins.com

Ruth asks…
how do you word a prosposal for a insurance settlement?
auto accident with injuries. Colorado Casualty being difficult to deal with in paying medical bills incurred.

answers:
Normally in an injury settlement, the company will not settle until you have completed treatment; if you are still treating, then no settlement will be offered at this time;
if you have completed treatment, then most likely they will request your medical records and bills for consideration; depending if you had a “soft tissue injury aka whiplash”, will not give you a lot of value; they also look at how much damage your car had; if minimum, then injury is less; but if your car was really damaged and hit hard, it would be considered to be worth more;
they also look to see if you had any pre-existing condition that was aggravated due to this accident; if so, then they can deduct, but if all injury was due to this accident, would be considered;
they might be looking at the fact they believed you treated too much or the amount of your medical bills to be unreasonable;
if you had a serious injury; ie; scarring, disfiguration, fractures, surgery or a permanent impairment, etc, that is a different matter; if a serious injury, could be worth quite a bit more and they take more time to evaluate it before making an offer;
there are so many factors and each case is evaluated one by one; it could be that the adjuster is backlog and cant get to it;
it is not uncommon for adjusters to work 50 to 60 hours a week trying to keep up;
this is just a general idea; you might want to call and ask them what their procedures are and what kind of time frame they have in mind before they offer you a settlement;
good luck

Charles asks…
Three Strikes for the Open Borders Lobby Are They Out Yet ?
If its to long skip it
Three young people died in Newark, the latest casualties in illegal aliens’ war on America. But don’t expect even this bloody outrage to end the complacency of the political elite – or the mainstream media – as the alien invasion turns our streets into a slaughter house. Even though police and prosecutors were aware of Carranza’s status, he was still released on bail on the earlier charges, and the feds were never told that an illegal alien, who practically had career predator stamped on his forehead, was at large.
Mark S. Ali of the Essex County, N.J. prosecutors’ office told the Newark Star Ledger that immigration officials could care less about such matters – “In 19 years, I have called immigration maybe a dozen times, and not once have they come to put a detainer or arrest someone.”
Or prosecutors’ failure to dime Jose to the feds may have been mandated by Newark’s sanctuary policy.
Meanwhile, the death toll mounts. Consider the following (most gleaned from the website of the Federation for American Immigration Reform):
July, 2007 – In New York, Nilssen Torres Paredes, an Ecuadorian national, pleaded guilty to manslaughter for killing two people while DUI. Paredes was both DUI and DWI (driving while illegal).
July, 2007 – Undocumented worker Gilberto Cruz, was convicted of the shotgun slaying of his former girlfriend in Colorado.
July 2007 – Marcelo Mota, an uninvited guest from Brazil, was arrested in New Jersey on charges of serial rape and sexual assault in Boston and the New York City-area going back to 2003.
May, 2007 – Ezeiquiel Lopez, a Mexican who entered the country illegally (which is increasingly redundant), shot and killed a Kenosha, Co., Wisconsin deputy sheriff. Lopez had been jailed twice before for violent crimes and, needless to say, not deported.
August, 2007 — Mejia Cinto was arrested in Pennsylvania for the stabbing death of Anthony Senisi, a 44-year-old New Yorker and father of two. Apparently, it was a random homicide. Cinto, age 19, was angered after losing a street fight and is alleged to have knifed the first person he met. Or perhaps he was provoked by Congress’ failure to “regularize” his status.
May, 2007 – In Indianapolis, Jonathan Castillo pleaded guilty to raping a seven-year-old girl. Castillo is one of those undocumented child-molesters doing jobs Americans don’t want.
Aliens are responsible for a crime wave that makes Capone’s Chicago look like Woodstock:
At the end of 2003, over 267,000 illegal aliens were in prisons and jails throughout the U.S., at an annual cost of more than $6.8 billion.
Illegals are responsible for an estimated 1,800 to 2,500 murders each year in the United States. (Iowa Congressman Steve King believes the figure is closer to 4,400 a year.) At the lowest estimate, every two years illegals murder almost as many Americans as jihadists in Iraq have killed in the entire war. Instead of bringing the troops home, how about sending the illegals home?
The Violent Crimes Institute informs us that our illegal alien population includes roughly 240,000 sex offenders. Give me your tired, your poor, your huddled masses of perverts yearning for fresh victims.
It’s estimated that illegal aliens are responsible for one-fourth of all highway fatalities. The undocumented are involved in DUI arrests at 3 to 6 times the national average. Said carnage is probably due to our failure to enact a guest-worker program.
The drug gang MS-13, which originated in Central America, has more than 15,000 members in 115 local chapters (which double as McCain campaign offices), operating in 15 states. Jose Carranza’s boy accomplices are believed to be MS-13 members.
Apparently, there’s a critical shortage of murderers, rapists, drug-dealers, gang members and drunk-drivers who are native to these shores, so we needs must import them. Those involved in this politically lucrative import business include politicians at all levels of government, church leaders, the knee-jerk media, scofflaw employers and the illegal-immigrant lobby.
The failure to control our borders is exacerbated by more than 30 politically correct, “sanctuary cities” across the U.S., including Newark.
By order or ordinance, these municipalities have pledged not to cooperate with immigration authorities, to the point where, if an illegal is arrested for raping a 5-year-old girl, local police and prosecutors won’t notify Immigration and Customs Enforcement (ICE).In New Haven, Connecticut, the Junta for Progressive Action and Unidad Latina en Accion filled suit against ICE agents for enforcement raids in the city on June 6. The racial solidarity groups suspect the raids were retaliation for New Haven’s sanctuary policy. “We want to be sure that the rights of our immigrant communities have not been violated,” cautioned Junta boca grande Sarahi Almonte. Here “immigrant” is a euphemism for illegal alien, which in turn is a euphemism for the murderers, rapists and vehicular homicide communities.
And on September 30, half of the 6,000 National Guardsmen deployed on the border last year will be reassigned. The border fence is still largely an illusion. The Border Patrol is still under-staffed and outgunned by drug-smugglers and assorted scum. The Jose Carranzas are still coming. But after a brief flirtation with enforcement, it’s back to securing Iraq’s borders, while ours are largely untended.
Three promising young lives cut short. Three families devastated. Jose and several of his associates are in custody. But the most dangerous culprits remain at large – making speeches, writing commentaries, filing suits, holding placards at marches, and running for president of the United States.

answers:
You should run for office as a Republican. Your really good at fear mongering..and thats their game.

Paul asks…
First time home buyer…don’t know anything about FHA loans or mortgage amount for my income???
I live in Colorado, just starting a new job where I will make a minimum of 68,500 (medical field so I will be able to increase my income to about 75,000 with extra hours). I’d REALLY like to buy a house, but with being a new graduate, I basically have very little for a down payment. I don’t know how much of a housing payment I can afford per month while still saving money, etc. No student loans need to be paid off, the government is doing that for me, and I have minor other monthly payments, no children, and I am single…
My question is, are there any downsides to an FHA loan?? Can someone give me a straight answer about how much of a mortgage I can afford, instead of these generic online calculators?? DON’T REPLY WITH GENERIC ADVICE THAT I HAVE ALREADY FOUND ONLINE. I would like to hear someone’s personal experience. Being a first time buyer, I don’t want to live beyond my means and become another casualty of the housing market…Thanks!

answers:
I have an FHA loan which I got in 2005. I live in the bay area, California (homes are expensive here – not sure how Colorado compares).
The upsides were:
- I bought with no money down (I had similar income to yours and 720 credit score)
- They even covered closing costs, so my loans (total of 3) came to 103% of the purchase price
- The rate I got at the time was unbelievable (4.75% 30 year fixed, I think now they are at somewhere around 5.75% but I could be wrong)
- It is a fixed rate for 30 years, no worrying
- I was/still am not required to make any payments on the 2nd and third loan.
The downsides were:
- You have to pay PMI (private mortgage insurance) no matter what for the first 2 years, after which you might be able to get it removed if your home’s value rises and fits certain criteria. This part is really irritating because (in my case) it is about $220/mo that I am basically throwing away for the priviledge of having this loan.
- You must live in the home for the life of the loan (you are not allowed to rent it out for any reason)
The rate difference between then and now is quite substantial. If I was in your shoes, buying now with no down payment I think I would:
- buy a home with CAL FHA (their rates aren’t THAT much better than rates you can get elsewhere, but it’s nearly impossible to find 100% loans elsewhere these days)
- they have no prepayment penalty (I think – please check on this as it’s been a while for me) so you can refinance if you need to
- you can buy with no money down which is nearly impossible to do otherwise these days
- I would ONLY do this if I was buying a foreclosure or a short sale in a GOOD area in your state (a place more likely to weather the housing crisis right now) where I would be walking in with equity. Make SURE your agent gives you comparable RECENT sales of same size/same lot properties, you want to have equity on day one, in case values come down.
- I would ONLY do this if I wanted a *home* as opposed to a get rich quick scheme. You could be in this home for the long haul before prices stabilize and we start seeing growth again. If you walk in with equity there’s less/little risk that your value goes down and you get stuck owing more than the home is worth, BUT keep in mind that it will be difficult to sell your home because everyone is having a harder time getting loans, and that means less people can buy. So you need to think long term.
I do think it is a good idea to buy right now with no money down because prices are low, and if you can get a good deal and a good loan that you are confident you can maintain for years (think 5 years) then you will come out ahead in the long run.
Note that if you did have a down payment, I would have suggested to explore other loans, because the PMI is money down the drain, and if this is your first home and you’re single with no kids then it’s unlikely you’ll be living in it for 30 years anyway. But (not knowing anything about the Colorado market) my opinion is that going with CAL HFA in your situation is a great choice.
(And if I can be annoying for a minute and suggest about something you didn’t ask — don’t fall into the temptation of leasing a car or buying a brand new car with payments … Really bad way to spend your money with no appreciation whatsoever! You’ll do much better to buy a used car and get yourself into a home. I see so many people buying $30K-$40K cars with payments, it’s killing me!)

Chris asks…
Is Obama Being Too Conciliatory to Muslims?
the context of Obama’s Islamic rapprochement was shifting even before Fort Hood. American casualties in Afghanistan have more than doubled over the past year. In the past several months, officials have also interrupted a rash of domestic terror plots. These include four men accused of planning to attack synagogues and shoot down military aircraft in Newburgh, N.Y.; an Afghan man charged with making bombs in Colorado; an alleged attempt by a Jordanian teenager to blow up a 60-story skyscraper in Dallas; and a Boston-area man’s alleged plot to attack a shopping mall.
http://www.slate.com/id/2235476/
Yes bezzy my lexicon is well above your welfare pay grade.

answers:
Obama is just catering his true base of fellow Jihadists.

William asks…
Why do most people think the Native Americans got “slaughtered”???
Like the Cherokee, most tribes were isolated and with a decentralized government with allowed the British, French, Spanish, and finally the U.S. to defeat them in battle or very well lose about half a dozen wars to induce treaties like: http://en.wikipedia.org/wiki/Treaty_of_H…
“In his book The Wild Frontier: Atrocities during the American-Indian War from Jamestown Colony to Wounded Knee, amateur historian William M. Osborn sought to tally every recorded atrocity in the area that would eventually become the continental United States, from first contact (1511) to the closing of the frontier (1890), and determined that 9,156 people died from atrocities perpetrated by Native Americans, and 7,193 people died from those perpetrated by Europeans. Osborn defines an atrocity as the murder, torture, or mutilation of civilians, the wounded, and prisoners.[3]”
54 minutes ago
- 3 days left to answer.
Additional Details
52 minutes ago
I also have counted the battles east and west of the Mississippi and the tally is something around, 8,727 (Amerindians) to 11,217 (U.S./British/French)
The area around the Great Lakes was a stalemate represented by Pontiac’s Rebellion, so I won’t go there.
Sources:
American Revolution (1775–1783)
Chickamauga Wars (1776-1794)
Northwest Indian War (1785–1795)
Nickajack Expedition (1794)
Sabine Expedition (1806)
War of 1812 (1811–1815), including:
Tecumseh’s War (1811–1813)
Creek War (1813–1814)
Peoria War (1813)
First Seminole War (1817–1818)
Winnebago War (1827)
Black Hawk War (1832)
Pawnee Indian Territory Campaign (1834)
Creek Alabama Uprising (1835-1837)
Florida-Georgia Border War (1836)
Second Seminole War (1835–1842)
Missouri-Iowa Border War (1836)
Southwestern Frontier (Sabine) disturbances (no fighting) (1836–1837)
Osage Indian War (1837)
50 minutes ago
Sources:
Texas-Indian Wars (1836–1875), including:
Great Raid of 1840 (1840)
Antelope Hills Expedition (1858)
Battle of Pease River (1860)
Red River War (1874–1875)
Puget Sound War (1855–1856)
Dakota War of 1862 (1862)
Colorado War (1863–1865)
Red Cloud’s War (1866–1868)
Comanche Campaign (1868–1874)
Black Hills War (1876–1877)
Nez Perce War (1877)
Pine Ridge Campaign (1890)
The Sixty Years’ War (1754–1814) was a military struggle for control of the Great Lakes region in North America, encompassing a number of wars over several generations. The term Sixty Years’ War is not widely known, and is used primarily by academic historians who specialize in various aspects of the conflict. Traditionally, the war for control of the Great Lakes region has been written about only in reference to the individual wars; the designation Sixty Years’ War provides a framework for viewing this era as a continuous whole.
43 minutes ago
Actually, I have a lot of history books. Flames Across the Border, Pierre Berton — Dictionary of Wars: Third Edition — Stolen Continents: 500 years of Conquest and Resistance — some others at my library i read that I forget.
35 minutes ago
I can see some of you actually read my details, but for the rest, here is what usually happened:
Great Lakes region of North America
Result Military stalemate; American Indians concede British sovereignty but compel British policy changes
Territorial
changes Portage around Niagara Falls ceded by Senecas to the British
Belligerents
British Empire American Indians
Commanders
Jeffrey Amherst,
Henry Bouquet Pontiac,
Guyasuta
Strength
~3,000 soldiers[1] ~3,500 warriors[2]
Casualties and losses
450 soldiers killed,
2,000 civilians killed or captured,
4,000 civilians displaced ~200 warriors killed, possible additional war-related deaths from DISEASE <——– ![]()
22 minutes ago
Anyway, I can see some of you don't like to read books so I'll conclude by saying, "We fought and fought like Braves to compel respect. We inflicted just as much casualties as you did us, yet the few times like the Navajo gets routed and sent far from their homeland overrides the victories of the Seminole, Chichimeca, Mapuche, Tlaxcallas, Zacateco, Guachichil, Iroquois, Comanche (who NEVER gave up their homeland to this day), and countless other tribes like us Cree and Anishnabe who hold vast amounts of land to this day. I know in my heart that, like in Europe — which was ravage to the point of 1/3 its population dying from the Plague ALONE — the Creator's diseases is what killed my people."

answers:
It wasn’t the battles fought and lost that caused the near genocide of the first nations on Turtle Island, it was the thievery and genocidal actions of the Settler culture.
Read, for one: The State of Native America : genocide, colonization, and resistance
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