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Blog Disclosure Policy

This policy is valid from 20 November 2008

For questions about this blog, contact The MidnightWriter at themidnightwriter1@gmail.com.

This blog is a personal blog written and edited by me. This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is compensated to provide opinion on products, services, websites and various other topics. Even though the owner(s) of this blog receives compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely the bloggers' own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

The owner(s) of this blog would like to disclose the following existing relationships. These are companies, organizations or individuals that may have a significant impact on the content of this blog. We serve on the following corporate or non profit boards: Angels of The Light Interfaith Ministry. We blog about people to whom we are related. The most interesting such people are: Our children and grand children..


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Coverage is more important with Health Care than Cost

All too often, people buy insurance packages based on cost but coverage is the most crucial part of a medical insurance policy. When you get a Health Insurance Quote, consider all the benefits the company is offering before you make a final decision. The savings a health plan will give you justifies the monthly payments while the treatments and services for which you will qualify are crucial to your care. Ask all the right questions when you look into buying health insurance to make sure you are getting what you will need in the event of an illness or injury.

Group Health Insurance is unique when it is intended for a family unit or employees. Be sure to clarify the list of important needs your group might have so the agent will know how to set up a policy. If you have six employees it is imperative to include six individuals into the count for medical, dental and accident insurance. When you have a policy that makes you smile, then negotiate the price to fit your budget or get more estimates until you're satisfied.

Life Insurance comes in different packages but you need to understand the differences between whole life and term, for example. Find out what that means in terms of coverage for funeral expenses and payments to your beneficiary. It's important to know how your current condition will affect how the insurance policy can be written. Current medical conditions will affect the price of your policy guaranteed, especially if you are a smoker or if you drink. Take this all into consideration and find out how much you will need to spend on monthly premiums to be sure all your funeral costs will be covered when your family needs to cash it in. 

Read more to understand health insurance and how it works to reduce medical costs overall to save money in the long term.

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The Midnight Writer

Stop the Killing of Wild Mustangs

Facebook Group STOP the Killing of Mustangs! STOP Janna Bullock! JOIN US!

The wild mustang is a legendary symbol of America's freedom but today they are losing their freedom and their lives. These magnificent creatures need your help today so visit the Facebook site to find out how you can join thousands in the fight to protect one of God's creatures. Big money is being paid to hunters who go out by car and helicopter to kill the wild mustangs. Guns are not used in the slaughter because the hides have to kept in the best condition so they can be sold for leather art. News about this tragedy is spreading across the internet quickly so wild mustang advocates are asking for your help in getting the word out. The Facebook group is asking people to join the thousands already working to save these symbols of America's legacy. Please do what you can to help. Visit the group to find out more. Be sure to view the photos and videos on Facebook and you will understand the urgency.

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The Midnight Writer

Hospitalization Guaranteed - L'hospitalisation a garanti

French and English Translation -  Traduction en anglais française et

Si vous recherchez une compagnie d'assurance médicale maladie qui garantira l'assurance pour votre séjour d'hôpital, je peux recommander un que j'ai trouvé. Visitez le site Web pour mutuelle hospitalisation et lisez tous détails au sujet des avantages. Une ligne directe est établie pour répondre à toutes vos questions au sujet de soin, de coûts et de toutes les questions légales. Si vous avez a a aimé un qui a temporairement besoin d'aide à la maison la compagnie d'assurance mutuelle que peut te dire comment l'aide domestique vous est couvert en cas signe un contrat de eux. Tous trop souvent qu'une personne doit aller à un hôpital dû à la maladie ou aux dommages soudains et est laissée vouloir pour à assurance proportionnée. Un patient finit vers le haut dans une chambre qui est trop chère sur leur plan courant ainsi il n'est pas couvert. Avec mutuel, les remboursements sont très rapides et toutes les dépenses d'hôpital sont déductibles, y compris les salles spéciales. Ils arrangeront une politique qui te donne la TV dans votre chambre, assurance de téléphone, assurance de transport et frais de voyage pour la famille immédiate. Oubliez que tous ces s'inquiète si de votre séjour est couverts. Entrez en contact avec aujourd'hui mutuel et trouvez la paix de l'esprit.
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The Midnight Writer ~ L'auteur de minuit 

Read in English below.   Lisez en anglais ci-dessous.


If you are looking for a health insurance company that will guarantee coverage for your hospital stay, I can recommend one that I found. Visit the website for mutuelle hospitalisation and read all the details about benefits. A hotline is established to answer all your questions about care, costs and any legal questions. If you have a loved one who is temporarily in need of help at home Mutual Insurance Company can tell you how domestic help is covered in the event you sign a contract with them. All too often a person needs to go to a hospital due to sudden illness or injury and is left wanting for adequate coverage. A patient ends up in a room that is too expensive on their current plan so it is not covered. With Mutual, refunds are very quick and all hospital expenses are deductible, including special rooms. They will arrange a policy that gives you TV in your room, telephone coverage, transportation coverage and travel expenses for immediate family. Forget all those worries about whether or not your stay is covered. Contact Mutual today and find peace of mind.


The Midnight Writer

Write Creative Simple Stories

Polish your writing skills by creating some short stories. It's a quick way to tell a story with condensed plot and it will challenge your ability to create. If you can keep the reader's attention through a short story then you will be able to write longer magazine articles or short story fiction for anthologies.