"Boa noite estou enviando minha tattoo, a história é a seguinte:
Chamo-me Ismael tenho 26 anos e fiz esta tattoo neste ano. Ela significa muito para mim pois é uma homenagem a minha mãe e minha madrinha que já fizeram a passagem de forma muito repentina e nos deixaram com muita saudades. As rosas são para minha mãe, que as amava e este rosário para minha madrinha pois o desenho do crucifixo é inspirado num crucifixo de prata de Bali que ela me deu meses antes de sofrer o acidente de carro. As duas estarão para sempre vivas em meu coração.

Esta tatto foi feita pelo artista Frampton, do Frampton Tattoo. Obrigado."

Ismael Dias

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"Oiiiii Galeraaaaaa...
Estou mandando para vocês a foto da minha tattoo. Espero que gostem.

Sempre fui louca pra fazer uma tattoo, mas o medo sempre foi maior. auahuah Sempre planejava mais nunca fazia. Até que um dia andando na rua da minha cidade (Ponta Porã-MS) com minhas amigas, passamos em frente a um estúdio (Cobra Tattoo). Já conhecia o estúdio, sabia que era bem conceituado. Então falei com elas para agente entrar e disse que faria minha tatuagem.

Elas não acreditaram muito. hauahauah Mais apesar do medo, cumpri o que disse. Fiz minha tattoo, minha bruxinha que eu amo muito. Me vejo nela, me identifico com ela (meiga e sensual). Essa foi a primeira de algumas que ainda vêm por aí. Beiijoooo genteeee."

Claudia Pontes

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¨O Bob Esponja foi por eu ser fanático por ele e também para fazer algo inuzitado, que ninguém tenha feito antes, pois eu não conheço quem tenha um Bob Esponja, fora eu. rs O diamante é por ter um significado também, pois o diamante é uma jóia valiozissima e vem da lama, e assim fiz algo diferente de todos que conheço que têm dragões, caveiras, símbolos japoneses, nada contra, mais é sempre bom inovar. É isso ai, valew!  Abraços. ¨

Mou

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For most of us, our home is our single largest and most important investment. Many of us have poured thousands of dollars and countless hours into maintaining, improving and (hopefully) paying off our homes. Many people own their homes free of any mortgage. These assets are pure equity. Certainly its worthwhile to invest 15 minutes a year to be sure it's properly insured.

Thankfully, the insurance company offers you a perfect reminder and opportunity in sending out your annual renewal statement. Even if your insurance is paid by your mortgage company as part of your impound account, the insurance company still mails you a statement of renewal every year to update you with your current coverage limits and deductible.

Here's a few important steps you can take to be sure that HOME SWEET HOME is properly protected.

1. Check the basics. Check your name, address and any other description of the insured property. Make sure there's been no change of vesting or ownership that needs to be updated. Check your address to be sure no numbers are transposed.

2. Check the mortgagee clause. Here's where you can be sure that the current mortagee on your home is listed correctly. Check the lender, address and your loan number. Be sure there's no old information there. Maybe you had a HELOC (Home Equity Line of Credit) or a second mortgage that no longer applies. Be sure to get them removed.

HEADS UP: Whenever you have a significant claim, the mortgage company will be one of the payees on your claim settlement check. Just that alone can be an inconvenience. But it becomes a major hassle when one of the institutions listed no longer has a vested interest in your home. The insurance company is bound by contract to include the mortgage company on all settlement checks beyond a stated threshold.

*3. Check the coverage on your home (dwelling or building). This is without question the single most important coverage to examine, consider and adjust whenever necessary. Having been an agent during the two raging firestorms in San Diego, CA in this decade, I can tell you that underinsured homes are just NO FUN! Two of my clients lost their homes in the 2003 fires and fortunately they were both adequately insured. (we call all our homeowner clients once a year to review their coverages and suggest improvements and adjustments) But I can tell you that there were literally hundreds of people in the area that were not so fortunate. Many were underinsured by over $100,000! Contractors were giving rebuilding bids on homes for $400,000 with insurance policies with limits less than $300,000. See if that doesn't tweak your financial well-being just a little. Here's the solution.

Get an accurate rendering of the square footage of your home. Check county records, take a look at zillow.com, call your favorite Realtor, or get a tape measure and do your thing. Usually you don't include the garage in this calculation. Once you get your square footage, then you need to determine the building cost per square foot in your area for a home like yours. Call a local contractor for a quick estimate or you can call your insurance agent. Average costs in San Diego run about $200 per square foot. With that, a 2000 square foot would take about $400,000 to rebuild. Custom homes can be significantlly more. For a more complete discussion of this, check out: How Much Homeowners Insurance Do You REALLY Need?

Your contents coverage is usually 75% of the amount you have on your home. For example, if you have $400,000 on your home, you'll have an additional $300,000 to cover your personal property (furniture, clothing, dishes, TV, collections, shoes, tools, etc) Usually this is enough, but think through it anyway. If you have antiques, art, collections of any kind then you may need more. Ask your agent for help if you need to.

4. Look at your Personal Liability Coverage. This is the coverage you need when you get sued. Little Johnny runs across your front yard and trips on one of your sprinklers and ruins his chances to become America's Next Top Model and his parents sue your for $250,000. Make sure you don't scrimp here. It's not too expensive to get $500,000 or even $1 Million of liability coverage. If you have $100,000 or less, you could be setting yourself up for a mess just waiting to happen. Put a really big checkbook between your assets and someone who sees an injury as a lifetime paycheck. You might even consider a Liability Umbrella.

5. Check your 'special limits'. This is a REALLY BROAD subject that I just can't do justice to here in this post. Simply stated, there's limits on many things such as cash, computers, cameras, jewelry, furs, goldware, silverware, tools, etc. Call your company and ask for a review. You can increase many of these limits for just a few dollars a year. Sometimes the available increase isn't enough. That's the perfect time to consider a Personal Articles Floater (or it's called many different names) It's a policy that's designed to place stated amounts of coverage on many items from jewelry, business tools, iPods, hearing aids, cameras, musical instruments and on and on. If you have more than 'the average Joe' of ANYTHING, then check this out FOR SURE!

6. Check your deductible! This can be a tremendous cost-control tool in your insurance spending. Simply stated: The larger your deductible, the greater your savings. Usually you can save close to $100 per year just by going from a $500 deductible to $1000. Pick the largest number you can stand without losing sleep at night and ask your agent or company the savings you'd realize by changing. If you have a $250 or smaller deductible, it's definitely time to change it UP! Keep in mind that you usually hit a point of 'diminishing returns' once you get to $4000 or more. This means that you'll save less and less for each additional $1000 you choose. It might make sense to go from $1000 to $2000 if you save $85 a year by doing so, but not from $5000 to $6000 if you only save another $21 by making that jump.

Monitoring your insurance costs and coverages can result in a lot of savings AND peace of mind. Be sure you keep notes and file your thoughts and changes from year to year. These recoreds will make your annual call quicker and easier each year.

Feel free to contact me anytime if you have questions.

Till next time...

dv
It's a Good Life !






Dennis Volz Insurance Agency
10791 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121

eMail:Dennis@DennisVolzInsurance.com
Websites: Company Site: DennisVolzInsurance.com

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Conheça alguns desenhos e pinturas do tatuador Renato Sette


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Sempre gostei de desenhar, mas foi em 94 que tive meu primeiro contato com a arte através do graffiti, ano também que fiz minha primeira tattoo. Com o tempo fui me interessando por outros tipos de artes, como pintura em tela, aerografia em camisetas e também a própria tatuagem. Em 2000 comecei a tatuar e montei meu studio, o Sette Tattoo, localizado no bairro da Penha. Tive alguns trabalhos publicados em revistas como Word Fashion (revista especializada de moda), FIZ, Rap Brasil (revistas de graffiti), Tattoo Brazil Magazine, Tatuadores e Almanaque Brasileiro de Tatuagem.

Participei de alguns eventos como a El Distúrbio na qual os expositores eram artistas do graffiti e da tatuagem; 1º Fórum de Artes Visuais de Barueri - Exposição coletiva de artistas convidados; Mundiart – mostra internacional de arte contemporânea em Niterói, RJ; Exposição individual na Subprefeitura de São Miguel Paulista.

Desde já agradeço pela atenção e parabéns pelo trabalho!
Abraço


Sette Tattoo

Tatuador: Renato
Endereço: Rua Antonio Lobo 26, sala 1 , Penha , SP ( ao lado do Shopping Penha )
Telefone: (11) 2097-5484
E-mail: renato_f2@hotmail.com
Fotolog: sette_tattoo

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Que tal uma revista virtual de tatuagem totalmente gratuita?

Esta é a proposta da produção independente da Pixel Art. A revista foi criada pelos mesmos editores do Almanaque Brasileiro de Tatuagem, versão impressa veículada pela Editora Escala. Além de visualizar a revista é possivel também fazer o download no Issuu, livraria virtual onde a revista é hospedada.

Atualmente em sua 6ª edição o Almanaque Digital de Tatuagem tem um visual atrativo, conteúdo apropriado, abordando o universo da tattoo e comportamento urbano.

Nomes como Sergio Sancast, Sidney Jacobina, André Rodrigues, Aleks Punk e Léo Neguin já preencheram as páginas virtuais do Almanaque Digital de Tatuagem.

Confira as primeiras seis edições.

Almanaque 1 Almanaque 2 Almanaque 3 Almanaque 4 Almanaque 5 Almanaque 6

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