Insurance savvy could save you a bundle, not only when you make a claim, but through the premium paying years as well. Discover ...11 suggestions for purchasing fire insurance10 mistakes rob you of insurance protection7 issues foundational to insurance provisions11 steps in an insurance claim9 issues essential to insurance claim management17 factors in the psychology of an insurance claim24 issues related to fire insurance coverage15 problem areas in an insurance claim10 progressive personal pressure tactics6 issues related to two types of professional help7 attitudes and actions in the vicious cycle of insurance abuse Ray Cross describes himself as an "improvementist" – "Good, better, best never let it rest, until your good is better and your better, best." Ray always looks for ways of breathing new life, creativity and healing into all of his relationships and activities – a life drive that uncovers improvements and solutions to perplexing inefficiencies and weakness. Ray applies this drive to all he experiences. His books, therefore, touch on a variety of challenges that have crossed his path, both conceptual and practical.Ray was born in Toronto, studied for ministry at Ontario Bible College, where he earned a Bachelor of Theology. While pastoring in Peterborough, from Trent University he earned a Bachelor of Arts in Sociology.Ray pastored Baptist churches in Peterborough, Trenton, Port Hope, Oshawa and Scarborough for 32 years before retiring from pastoral service. Pastoral ministry, of course, involved all aspects of personal and family care. While pastoring, Ray took many practical ministry and counselling courses to enhance his skills as well a travelling province-wide teaching insightful seminars.Since retiring from pastoring, Ray has served as an Officiant, primarily for weddings. His wedding website,brideschoiceofficiant.com, provides matchless wedding ceremony resources couples love.Ray has been happily married since 1971 to Diane, a nutrition expert and public school teacher (retired). They have two grown children and three grandchildren. Ray shares that the incredible professional acting skills of his daughter, Andrea, inspire his quest for dynamic presentation in ceremonies.If you see Ray and Diane about town you will find them walking hand in hand. They also ice skate several times a week. They love to travel and delight in white sand beaches. A natural extension of their love of travel is Ray's periodic service as guest minister on cruises ships.Ray is a thorough researcher, and his experience in sermon planning, public speaking, and service planning and coordination is evident in all he does.Ray is sensitive and responsive to the needs of those he serves, whether in weddings, public speaking or on the printed page.
