Wednesday, February 29, 2012

Third teen dies after Ohio school shooting

A second student has died after being shot by a teen gunman at Chardon High School near Cleveland, Ohio. Three additional students were injured, and the 17-year-old shooter is in custody. TODAY's Savannah Guthrie reports.

By NBC News, msnbc.com and wire

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Three students have now died from Monday's shooting at a high school in Chardon, Ohio, officials said.

Demetrius Hewlin died from his injuries on Tuesday afternoon.

The news came hours after officials told reporters that Russell King Jr., 17, had been declared brain dead overnight after he was shot. King was flown to Cleveland's MetroHealth Medical Center where he later?succumbed to his injuries. The medical examiner's office received the word about King?early Tuesday morning, office administrator Hugh Shannon said in a statement.


Sixteen-year-old Daniel Parmertor died Monday after?a teen opened fire inside a high school cafeteria at the start of the classes.

In rare situations, students who are isolated from their peers, and lose interest in activities they used to like doing, can sometimes become violent. NBC's Chris Jansing reports.

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Two others were wounded, police said, according to NBC?affiliate WKYC-TV. All of the injured are students.

Report: Teen suspect in Ohio shooting from violent family

Student in school shooting: ?I went into panic mode??

Slideshow: Photos from Ohio school shooting

Police have not formally identified the suspected gunman, but the family of T.J. Lane, the suspected shooter, released a statement Monday night.

"The family wanted me to convey to the citizens of Geauga County and Northeastern Ohio that the family is devastated by this most recent event," the Lane family's lawyer Bob Farinacci told WKYC.

"This is something that could never have been predicted. T.J.'s family has asked for some privacy while they try to understand how such a tragedy could have occurred and while they mourn this terrible loss for their community."

The entire school district was closed on Monday and will be closed again on Tuesday as the community grapples with the violence and waits for word on the wounded students.

"We want them to stay home and spend some time reflecting on family," an emotional Joseph Bergant, superintendent of Chardon schools, told a news conference.

He urged parents to hug and kiss their children, and praised the actions of teachers, who had been through disaster training and acted quickly to protect the students.

The students who were shot were found at three different locations throughout the school, according to the news station.

Scene reportedly caught on tape
The chaos, which started in Chardon High School's cafeteria, was captured by school surveillance video, reported cleveland.com. According to a source who saw the video, Lane sat down at an empty?table around 7:30 a.m. while students were studying and eating breakfast, and moments later, pulled out?a .22-caliber handgun from a bag.

The motive for the shooting remains a mystery. Fellow students said the suspect was a quiet loner who may have been bullied.?

Some witnesses told local media he appeared to deliberately target a table where a student who had started dating his former girlfriend was seated with friends, but Reuters could not immediately confirm that.

The video shows Lane walking from his table over to another table where?King and two other students, Hewlin, and Nick Walczak, all juniors, were seated, reported cleveland.com. The video shows Lane raising his gun and shooting, reported cleveland.com. He then ran out the cafeteria door.

Frank Hall, an assistant football coach inside the cafeteria at the time, chased after him as students raced for shelter, reported cleveland.com. The video does not show Lane shooting his other victims.

The Lane family's lawyer described the suspected shooter as a fairly quiet "good kid" who had never been in trouble.

"His grades are pretty impressive... He's a sophomore. He's been doubling up on his classes with the intent of graduating this May. He pretty much sticks to himself but does havesome friends and has never been in trouble over anything that we know about," Farinacci said.

A Chardon High School student, Danielle Samples, 16, who was in the cafeteria at the time, told Reuters she heard a series of "pops" and someone yelled to run down the hallway into a classroom. While Samples was in the hall, she heard another round of pops.

She said the suspected shooter was a student at Lake Academy in Willoughby, which serves at-risk students, and that he had been at Chardon's cafeteria waiting for a bus. She said the student lived with his grandparents and sister.

Chardon freshman Sofia Larkins, 14, was sitting with Lane's sister when the shooting began. "She didn't know anything," said Larkins. "She was surprised as anyone."

The two girls fled to a teachers' lounge when the shooting erupted, and began hearing talk that Lane was the shooter, Larkins said. His sister began crying. Larkins said school officials came to the lounge and took the sister away.

The mother of a student in Chardon, who asked not to be identified, said her son knew the accused gunman.

"My son's reaction was 'this doesn't surprise me.' T.J.?was a nice sweet kid who was misunderstood and he probably cracked from being different," she said.

Chardon, the seat of Geauga county, is a semi-rural, fairly well-educated and affluent town about 35 miles from Cleveland with a population of about 5,000, according to the U.S. Census and Chardon's web site. The town, which describes itself as the center of the state's maple syrup industry, contains neatly restored brick buildings downtown.

The high school has about 1,100 students, according to WKYC-TV.?

The deadliest school shooting in the United States was a 2007 massacre at Virginia Tech University that left 33 people dead. The worst high school shooting was a 1999 attack at Columbine High School in Colorado that killed 12 students and a teacher.

More content from msnbc.com and NBC News

Source: http://usnews.msnbc.msn.com/_news/2012/02/28/10526993-third-student-dies-in-ohio-school-shooting

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Tuesday, February 28, 2012

Video: Shooter opens fire at Ohio high school



>>> good evening. a student stood up inside the cafeteria at a suburban cleveland high school today and opened fire. he killed one student, wounded four others before being captured. in the years since columbine, we learned a lot of lessons in this country about the signals, the danger, warning signs and acting on them in time. but today, apparently, a troubled and highly-motivated young man took matters into his own hands before others could move to prevent it. it's where we begin our coverage tonight with nbc's kevin tibbles in what is now the torn-up community of chardon , ohio, 30 miles outside of cleveland. good evening.

>> reporter: brian, tonight the flag outside chardon high school flies at half-staff as the city mourns both the loss of its innocence and one of its own. just after 7:30 this morning, shots rang out in the cafeteria of chardon high school .

>> we have an active shooter at height school.

>> reporter: inside, a single shooter opened fire sending students and teachers scrambling for safety.

>> there's a lot of running, a lot of screaming. i heard a bunch of shots fired.

>> reporter: five students were shot before two teachers managed to chase the suspect from the building. t.j. lane who comes to chardon to take the bus to a local vocational school was arrested by heavily- armed police without incident a few minutes later. students were evacuated to a nearby middle school . it was here where frantic parents came in search of their children.

>> absolutely scared out of my mind. it's a very difficult thing to know that you can't be there to help them at a time like that.

>> reporter: amid the tearful reunions came the news all had been dreading. danny parmentor was dead. his family released this statement. "we are shocked by this senseless tragedy. danny was a bright young by who had a bright future ahead of him."

>> my heart goes out to the families of the five victims.

>> reporter: nate mueller's ear was grazed by a bullet.

>> i was friends with him up until eighth grade then he kind of got into the gothic phase and silenced himself.

>> reporter: terrified students quickly turned to social media to find out about friends and console one another. "sat in my classroom listening to people calling parents and crying, thinking about movies i've seen of 9/11. this stuff actually happens." finally being evacuated, thank god. scariest thing i ever experienced. love you all. police and fbi cordoned off the school while the investigation continues as they continue to search for a motive behind a shooting that left this cleveland suburb in shock.

>> i hope every parent will be able to hug and kiss your kid in the last couple of days, take that time.

>> reporter: this evening, two of the shooters' victims remain in critical condition. one is serious, the other stable. many area churches will remain open here this evening for memorial services. brian?

>> kevin tibbles from chardon , ohio. thanks.

Source: http://video.msnbc.msn.com/nightly-news/46548541/

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Monday, February 27, 2012

Interview with Chaos Gaming Founder Mr. Mike Chaos | HQ4Games


Interview with Chaos Gaming Founder Mr. Mike Chaos

This week has been a rather busy one but I had some time to sit down and do an interview with Mr. Mike Chaos, the founder of Chaos gaming. ?In case you have not yet heard of Chaos Gaming, it is a gaming community for Xbox 360 players. ?Chaos Gaming is one of the largest and most organized communities on Xbox 360, including branches in multiple games such as MW3 and Halo Reach. ?Mr. Mike Chaos has been gracious enough to give us here at HQ4Games a little time to explain more about Chaos Gaming. ?Lets get this interview on the road!

What are your current favorite video games?

My current favorite video games would have to be MW3 and Reach.

What are the video games which made you the gamer you are today?

My mom owned a nes with Super Mario Bros 3 and Zelda, that leaded me to buying a n64 one year with Zelda OoT, met a friend who got me hooked on Goldeneye , we both got xbox?s and that led to the most powerful gateway drug of them all, Halo 2.

What other activities and interests do you have besides gaming?

I enjoy?Geocaching, building legos [Never to old], watching movies, and spending time with the lady [Pink Lady Chaos].

Could you describe what Chaos is to you, and how you started it?

Chaos Gaming is a group of gamers that have come together to avoid the dumb asses on xbox live, ?WITHOUT? too many rules. ?We can all be mature enough to not talk about how we have slept with each others moms but immature enough to make fart jokes.

Why do you believe Chaos Gaming has been so successful, and what do you do to assure its continuing success?

What I said about Chaos in the last question also applies here?Very Happy. ??The fact that we have awesome members also plays a large role is why Chaos Gaming has been so successful. ?Awesomeness attracts more awesome!

When you first started Chaos Gaming did you ever think it would progress into something large as it is today?

I braced myself for failure but expected the best, so a little bit of both.

I understand that Chaos is very well organized and has a ranking system which helps keep it in such a manner, do you mind describing how you stay so organized and mention how the ranking system plays into that?

We pretty much use what we learned from the community we left a couple of years ago [Disciples of Gaming]. ?We changed the code of conduct a bit to make it less strict and more fun for members. ?It has worked very well for us. [They stole it from the community they were in before XGC, and some with the community before KSI]

Finally, I would just like to open the floor to you. Is there any final thoughts or comments you would like to add?

Chaos would be nothing without our members, I?ve tried my damnedest to keep everyone happy, [No that's not possible by the way] I always welcome Questions. ?I love to inform our members on how things work.

We here at HQ4Games would like to thank Mr. Mike Chaos for taking the time to do this interview with us, it is greatly appreciated. ?I hope all our readers enjoy learning more about Chaos Gaming and Mr. Mike Chaos. ?If you are interested in joining Chaos Gaming or finding out more information check out the links posted bellow. ?You can also check out HQ4Games other article on Chaos Gaming here:?http://hq4games.com/2011/chaos-gaming-community/

Official CG Site:?http://www.360chaos.net

FaceBook Page:?http://www.facebook.com/360Chaos.net

Twitter: @360ChaosNet

YouTube:?http://www.youtube.com/user/360chaosnet

- M. Caldwell

Source: http://hq4games.com/2012/interview-with-chaos-gaming-founder-mr-mike-chaos/

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Travel Insurance Purchasing Tips | The Insurance Times

People all have been very susceptible whenever they travel since it results in going from the comfort zones, and travel insurance is actually the only way to protect people towards financial deficits whenever something is failing. Therefore here are a few very helpful ideas to make sure you purchase the correct travel insurance which will safeguard you towards this kind of anticipated monetary deficits.
The most important to consider with travel insurance is actually that you are effectively purchasing a contract, therefore do not forget to read the contract thoroughly, particularly the exceptions in a protection degree and also the general exceptions. They are created in legal jargon, therefore make sure to look for clarification on something you do not understand.
All Insurance providers are categorized as financial institutions and therefore are as a result controlled by the government institutions such as the Financial Services Authority in the United Kingdom. Therefore you must make sure to notice this.
Among the main risks is trip cancellation, therefore you have to make sure you purchase the travel insurance sooner after your trip get confirmation, even though you are not traveling for couple of months. This will be no charge any longer and your policy covers it once you buy the travel insurance.
You also have to check the deductibles. The insurance deductible, also called as excess, is what the insurance provider deducts before payment on claims. For example, if you place in the travel medical claim of USD300 and the insurance deductible is actually USD150, you will just obtain USD150.
Be skeptical of companies providing inexpensive travel insurance rates, generally they have higher deductibles.
Examine the payment for kids simply because a few insurance providers pay only fifty percent of the payment for kids that is absurd since the trip expenses for any kid is nearly similar with adults.
You have to determine the beginning day and the final day of the trip when purchasing travel insurance. For example, if you are leaving on 5 April and return back again on 10 April, you require coverage for 6 days instead of 5 days!
Do not get attracted to the higher insurance coverage such as 10 million healthcare coverage, it is extremely not likely that you will require it. You need to remain focused on the particular coverage you are feeling suitable. For example, in the event that you are traveling with costly business equipment, then you have to make sure that is actually protected properly.
Examine the actual payment plafond simply because insurance providers are apt to have the limitation on the maximum payment. For example payment for private possessions might be USD5000, however the maximum payment for each product might just end up being USD1000. So that it might not be sufficient to pay for your costly golf clubs. Almost all insurance providers may list the payouts very clear, when they do not, leave them.
If you are regular travel you might want to think about getting a good yearly multi-trip travel insurance since it can help you save time and money. A few insurance providers actually toss in free extra supplies such as skiing coverage.

Source: http://insurancetimes.org/travel-insurance-purchasing-tips/

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Sunday, February 26, 2012

Try out these guidelines for a healthful nourishing dinner | New ...

New Health And Fitness.Org - Health Information You Can Use

In the current fast-paced planet, it can be hard to locate time and energy to plan any nutritious food. If you are having difficulty finding time and energy to organize a full nourishment food selection, you need a handful of tips on methods to make a healthier diet plan. Read on to find some great recommendations on making your daily diet a nourishing one!

A great tip for living a healthier lifestyle is to understand that eating foods rich in fat is not necessarily a bad thing. Certain types of fat, such as mono unsaturated and polyunsaturated fat, are very healthy. Unsaturated fat is the bad kind of fat. Nuts are a great source of mono unsaturated and polyunsaturated fat.

A fantastic tip regarding living fitness is to eat a wholesome breakfast time. Breakfast time is important as if you begin your day off proper, you?re prone to still eat correctly during the day. Consume a muffin, a couple of ova and some fresh fruit. Avoid food items rich in sugar and also calories from fat, such as, hot cakes along with syrup.

To improve your health, try skipping the sweet tea and drink green tea instead. Green tea has been shown to boost your metabolism and protect against many forms of cancer. It can also lower your cholesterol levels. Don?t drink green tea from a box, though. Brew it yourself with a tea bag or use loose leaves.

Make use of greens within non-traditional methods to maximize the quantity your children take in. Using veggies in dishes in which normally usually do not demand them, such as lasagna or do-it-yourself chicken wings, could make mealtime fun for kids because it contributes a dosage regarding range. Ingesting veggies will not be thus negative if it is in the meals they really like.

Eat a Mediterranean-style diet plan to aid prevent cardiovascular disease. This includes a lot of healthy fats like extra virgin olive oil, greens, whole grain products, espresso beans as well as seafood. Eating these food types maintain your bodyweight and blood pressure down, although supplying the body together with fiber as well as other nutrients it must be healthful.

When you are trying to keep in shape one of the most important parts of that is portion control. You should always have a set of measuring cups and spoons around so that you can measure out the portions of food that you eat instead of being reckless about it.

With nutrition a key factor to focus on is fluid intake. Make sure you try to drink low calorie beverages such as water, tea or even diet soda. Sugar sweetened drinks add useless calories to your daily intake and will only make good nutrition harder to achieve, but staying hydrated is important.

Do not go to the retailer when you are starving. If you are hungry your blood sugar is possibly reduced. In case your blood sugar levels are lower, in that case your physique may desire candy, fatty acids and sugars to be able to provide it with the quick increase in insulin and also sugar this desires. Steer clear of the enticement by having a healthy meal or snack before you store.

Since it had been mentioned at the start of this article, it could often be hard to invest time to eat well. Nevertheless, with some great pointers and also motivation, you may make choosing healthful dishes an easier, more natural point. Consider what you?ve learned here whilst that in mind the next occasion you have to create a fast, nourishing food.

Learn more about Why does my stomach hurt. Stop by Cath Wilson?s site where you can find out all about what does heartburn feel like and what it can do for you.

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Source: http://newhealthandfitness.org/2012/02/24/try-out-these-guidelines-for-a-healthful-nourishing-dinner/

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Justin Bieber Teams with Far East Movement to "Live My Life"


Justin Bieber will release his very own new album in the near future. But, until then, the 17-year old sensation is having a blast chipping in with other artists.

Earlier this week, the Biebs appeared in a music video (along with Selena Gomez and Ashley Tisdale) for Carly Rae Jepsen's "Call Me Maybe," and now he's teaming up with Far East Movement for "Live My Life," a single off that group's upcoming CD, "Dirty Bass."

Bieber pretty much just sings the book ("Live My Life!"), but it's still worth a listen. Check out the track now:


Far East Movement (Ft. Justin Bieber) - Live My Life

Source: http://www.thehollywoodgossip.com/2012/02/justin-bieber-teams-with-far-east-movement-to-live-my-life/

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Saturday, February 25, 2012

Which GOP candidate boasts most online buzz?

Presidential candidate Mitt Romney wasted no time today trying to capitalize on Rick Santorum's performance in Wednesday's debate. NBC's Peter Alexander reports.

By M. Alex Johnson, msnbc.com

Rick Santorum is coming under much closer ? and skeptical ? scrutiny since he jumped to the top of Republican presidential polls this month, according to a computer-assisted analysis of social media data.

For the first time, politically engaged users of Twitter and Facebook are buzzing about Santorum more than about any other Republican candidate.

Santorum, a former senator from Pennsylvania, swept Republican voting in Minnesota, Missouri and Colorado on Feb. 7. Although all three contests were essentially beauty contests, with little official impact on the delegate count, Santorum's victories revived his campaign.


Before the Feb. 7 contests, Santorum was generally running third behind former Massachusetts Gov. Mitt Romney and former House Speaker Newt Gingrich of Georgia in most major national polls. The day after, he was atop all major polls, and he has remained there since.

Santorum's rise has been mirrored on social media, according to msnbc.com's analysis of nearly 2.2 million posts on Twitter and Facebook this month. And as the spotlight has focused on him, it has drawn opponents of his sharp-edged positions out of the shadows. ?

msnbc.com research/M. Alex Johnson; Crimson Hexagon Inc.

Click the image for the full-size chart.

Comparison of total numbers of opinions expressed about the Republican candidates the week before the Feb. 7 contests and this week. Former Massachusetts Gov. Mitt Romney is represented by the purple line. Former Sen. Rick Santorum of Pennsylvania is represented by the orange line.

The analysis examined posts through Thursday about the four remaining major Republican candidates, filtering out straight news reports and neutral posts, such as tweets noting that a candidate would be making a campaign appearance. The resulting sample was 1.2 million tweets and Facebook posts that expressed clear support for or opposition to one of them.

In the week leading up to the Feb. 7 contests, those Facebook and Twitter users preferred to talk about Romney by a ratio of more than 6 to 1 over Santorum.?

Beginning Feb. 8, however, Santorum has been the No. 1 topic of conversation. This week, more than two-fifths of every post expressing an opinion ? 41 percent ? were about Santorum, compared to 32 percent for Romney, 15 percent for Gingrich and 12 percent for Rep. Ron Paul of Texas.

Follow the campaign on NBCPolitics.com

(The analysis uses a tool called ForSight, a data platform developed by Crimson Hexagon Inc., which is used by many media and research organizations to gauge public opinion in new media, among them the Pew Research Center and?ESPN.?The results aren't a scientific reflection of national opinion. Instead, they're a broad look at what is being said by Americans who follow politics and are active on Facebook, Twitter or both.)?

Nonpartisan research indicates that Republicans and Democrats use social networking sites in roughly equal proportions.?The demographics have gradually been trending older and more conservative as the sites are adopted by a larger proportion of the American public, studies indicate.

Pew Research Center?Internet and American Life Project: Social Media and the 2010 Election (.pdf)

The msnbc.com analysis suggests that while people are much more enthusiastic about talking about Santorum, they're not any more enthusiastic about the man himself. On Feb. 7, before results of the three contests were known, 42 percent of Santorum's comments were positive to 58 percent negative; Thursday, after a debate Wednesday night in Mesa, Ariz., where Santorum came under sustained attack from Romney and Paul, the breakdown was 38 percent to 62 percent.

Consistently, the largest driver of sentiment about Santorum is his strong stance against same-sex marriage, making up 18 percent of all opinions expressed about him and 28 percent of all negative sentiment this week ? proportions that have remained remarkably consistent since June, when msnbc.com began collecting data.

In a Facebook post typical of the anti-Santorum commentary, Jay A. Small of Vancouver, Wash., wrote this week:

From Rick Santorum's website: "Marriage is, and has always been through human history, a union of a man and woman ? and for a reason. These unions are special because they are the ones we all depend on to make new life and to connect those new lives to their mom and dad."?

So, Mr. Santorum, your religion's typical intolerance must then also stand for banning marriage between couples who do not choose, or are not able to procreate.

First Read: Santorum hits on religious tones in speech

But other issues are now emerging around which significant opposition is crystallizing. The sentiment that Santorum is "too conservative," particularly in the prominence of his religious views ? previously just one of several scattered notions ??has broken into double digits this month, rising to 13 percent of all commentary and 20 percent of all negative opinion, such as this tweet by an Alaskan woman who describes herself as a Christian "pro-life supporter":

Twitter.com

The picture is different for Romney, who (at least according to msnbc.com's analysis) has yet to give voters a clear reason to vote for or against him. That suggests his supporters could be swayed by other candidates ? or that he still could galvanize support with clearly articulated positions.

'Most electable'?
In fact, the No. 1 reason social media commentators give for supporting Romney ? both this week and going all the way back to June ? is their belief that he is the "most electable" Republican in the race, a sentiment that has driven 36 percent of all positive opinions this week:

Twitter.com

A quarter cite Romney's competence or leadership; no other issue even makes it into double digits.

Likewise, opposition to Romney is widely scattered. A quarter of those expressing negative opinions this week cited his wealth, with many suggesting that he is out of touch with the majority of Americans, as in this tweet from Michaele Swiderski, a Tennessee woman who describes herself as a Jesus-loving conservative:

Twitter.com

But 15 percent also expressed concern over his Mormon faith, another 15 percent thought he was too closely tied to corporate interests, and 14 percent pinned the RINO label on him ? that is, "Republican In Name Only," or not truly conservative.

Even in Michigan ? his native state, which holds an important primary Tuesday ? the single most mentioned word in social media posts about Romney this week (after his own name) isn't any political issue or position.

It's "Santorum."

More content from msnbc.com and NBC News

Source: http://usnews.msnbc.msn.com/_news/2012/02/24/10490055-rick-santorum-leads-rivals-in-twitter-facebook-buzz-new-analysis-shows

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Friday, February 24, 2012

Who regulates the car insurance companies? | Teen Auto Insurance ...

Thursday, February 23rd, 2012 at ?

Best car insurance


 Who regulates  the car insurance companies?

ash wednesday : Who regulates the car insurance companies?

Response : Ash, an excellent question. Suprisingly there is a lot of regulations for the insurance companies and hence the fear that if I get a cheap car insurance quote from a completely new insurance company what would happen? Are they stable? You need not worry about this since aas per the insurance regulations there is a limit of business also which an insurance company can undertake.

Because car insurance companies deal in two different worlds, financial and as a business in general, such companies fall under multiple areas of regulation. This includes being a financial institution, operating as a business, the collection of business taxes, and provide financial loss coverage. As a result, automobile insurers find their organizations having to respond to multiple government agencies on a regular basis to address regulatory requirements.

Enter your ZIP code and you will receive Cheap car insurance ? instant teen auto insruance quote ?for FREE.

Because car inusrers operate as licensed business?they must obtain business permits, licenses, and tax permits from the communities and states they operate in. A business is not required to be licensed in all 50 U.S. states, but where the business has operations, permits are necessary.

Insurance companies have to abide by the same regulations and laws as any other business in a given region or state. There is no exception.

This includes a variety of business laws that affect employment, property zoning, and managing financial activities for customers. The majority of these laws are overseen and enforced by city, county, and state government agencies charged with these responsibilities.

Car insurers also must operate with relevant tax laws as well, weaving through requirements at both the state and federal level. Business income taxes, employee payroll tax withholding, and sales taxes as well as insurance specific taxes all need to be collected and paid to the respective agencies to stay current with applicable tax law. Federal and state tax agencies manage the oversight of such tax activities and enforce them as well with civil as well as criminal penalties.

Because insurance companies have the ability to collect a large amount of customer money before any kind of coverage has to be paid, there is the risk that unscrupulous types can run off with the cash before a claim is filed. As an added level of regulation, insurance companies in general undergo industry-specific regulation in most states to avoid this problem.

This oversight licenses the business to operate as an insurance provider and both audits and investigates inappropriate activity where it is identified. We can help you find?the best car insruance coveragae?by sending your car insurance quotes. All you need to do is enter your ZIP code in our car insurance comparison tool.

Insurance companies, including auto insurance providers, have to be able to show they have sufficient financial reserves to remain solvent. They also need to be able to provide accounting records on demand that can show where customers? funds have been deposited, how funds have been spent, and that reserves are protect to pay valid claims that are submitted.

Finally, many states collect various fees on insurance companies through policies. These funds have to be deposited separately and then transmitted to the given state, which also requires auditing and record-keeping for review.

All 50 states have departments that are specifically dedicated to insurance company regulation. They manage insurance policies, implement to large insurance statutory codes passed by state legislatures, and they audit and investigate insurance companies as necessary. Such agencies also review insurance companies? premium rates to make sure they are not gouging or onerous on customers. Most such agencies are led by an elected position. The lead position is filled by an insurance commissioner who is voted into office every four to six years.

In almost all insurance-specific regulation cases the federal government generally stays out of the review of car insurance companies except with taxes. Where federal taxes are due or payroll withholding needs to be collected, the Internal Revenue Service handles the oversight. Another area federal involvement will occur is if the insurer becomes insolvent and must declare bankruptcy as a business. Then the federal bankruptcy court becomes the overseer through a court trustee officer.

Because state departments in charge of insurance regulation collect so much information on insurance companies, including automobile insurers, they produce a significant number of reports quarterly and annually. This information is available to the public and can provide interesting details on how insurance companies are operating in a given state.

Where insurance state departments have adequately integrated operations with the Internet, many of the reports can be obtained and downloaded easily.

While some of the reports can be highly technical in nature, they provide detailed information on how car insurance companies and other insurance providers are managing their accounts, rates, and solvency. For the keen reader, this data can signal when it may be time to switch insurers.

Consumers can then take government reporting information and add it to the details they can gain from insurance comparison websites to find the best car insurance companies for their needs. The best policies for car coverage are the ones where customers do their own research.

Between government reports and Internet comparison sites, a treasure trove of data exists for very informed comparison-shopping.

As can be seen above, car insurance companies do not operate wildly on their own without oversight. For a number of reasons such businesses interact with government and regulation everyday. As a result, insurers have to operating in a certain fashion sometimes to stay in good graces with the law as well as keep their business profitable.

Looking to buy car insurance? Enter your ZIP code and get your teen auto insurance qutoe now.?Just do it.

Teen auto insurance quote

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Source: http://www.teenautoinsquote.com/2912/who-regulates-the-car-insurance-companies/

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GPS Hacking Helps Thieves Steal Trucks, and Could Let Traders ...

spacing is important

Tampering with GPS signals can cause big problems in both shipping routes and financial markets, warned experts at a conference?on GPS security. The technology is routinely used in navigation and time synchronization nowadays, but signals are left vulnerable to jamming and spoofing.

This is partly because GPS signals are relatively weak:??A GPS satellite emits no more power than a car headlight, and with that it has to illuminate half the Earth?s surface,? said David Last, former president of the Royal Institute of Navigation, to the BBC.

Jamming devices work by broadcasting a signal at the same frequency as GPS, and can be bought for less than $100 online.?When researchers set up 20 jamming monitors in locations around the UK, they caught 60 incidents in 6 months. They think most of these are from stolen trucks, where thieves jam the truck?s GPS to keep from broadcasting its location.?According to Last, jamming GPS ships on ships isn?t much harder: Tests found that every major system was affected by a device with less than 1/1000 the power of a cell phone. The Financial Times reports:

The display showed the ship travelling over land in Belfast, while we were plainly in the North Sea,? said Bob Cockshott, director of position, navigation and timing at the ICT Knowledge Transfer Network, who participated in the test. ?And it was surprising how many other devices depended on the GPS working. The compass stopped working and the emergency communications system was knocked out.

GPS spoofing is a little more sophisticated, as it requires giving off fake signals to trick the receiver. Since stock markets are synchronized with GPS, spoofing can let unscrupulous traders ?change? the timestamp in one location and exploit the time difference from other markets for financial gain.

That?s a hypothetical scenario for now, but experts recommend regulations on GPS tampering be tightened to reflect its potential for damage. It?s not just that we rely in GPS for driving directions; much of our infrastructure relies on it.

[via IEEE Spectrum]

Source: http://blogs.discovermagazine.com/80beats/2012/02/23/gps-hacking-helps-thieves-steal-trucks-and-could-help-traders-cheat-the-stock-market/

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Thursday, February 23, 2012

How do you make a relationship work? Dating Relationships Love

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Source: http://www.datingrelationshipslove.com/articles/relationships/how-do-you-make-a-relationship-work/

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Shopping For The Perfect Bathroom Vanity Cabinet For Your Home ...

Bathroom vanities can transform your bathroom in to a beautiful welcoming room that you can be proud of. The bathroom vanity cabinet is often the only piece of furniture in the bathroom. It must fit properly and it must contain all of the things you need to hide. Make sure your bathroom vanities cover all three of its main reasons for being there, it needs to be fully functional, it needs to help make the room comfortable, and it needs to look good.

If you are constructing a new bathroom or renovating an existing one, the bathroom vanity is the most noticeable thing in the room. Your bathroom vanity cabinet can be made from several different materials with wood being the most popular. Try to avoid particle board because it doesnt do well in damp areas and may swell over time. If you select from bathroom vanities made with particle board and the drawers begin to swell, you will end up with a bathroom vanity cabinet that isnt useable. If you must go with the cheaper particle board, stick with doors and not drawers.

Whatever type of material you choose to use for your bathroom vanity cabinet make sure it is well made and able to withstand the hot, humid conditions in your bathroom. This is one of those situations where it is well worth the extra few dollars to get a better product than to cut corners and be replacing the vanity in a couple of years. Well made bathroom vanities will stand up to a wide array of temperatures and conditions. Of course, when you can find them at discount prices, it always helps!

Your bathroom vanity cabinet can come with or without an attached sink, and you can find them with doors or drawers or a combination of both. Think about the things you want to store in your bathroom vanity cabinet before you make a decision about which one you get. As a general rule, doors are better for storing larger things while drawers are better for storing smaller things. The more functional your bathroom vanity cabinet is, the more organized your bathroom will be.

As you shop for bathroom vanities, take the time to be sure you understand what size best fits your bathroom. Your bathroom will look too small of your vanity is too large for the room. If your bathroom vanity cabinet is too small, it looks lost in the room. Avoid either situation by taking accurate measurements before you buy. Keep the measurements with you so when you have a moment to go online and look, youll have them to compare. While most stores, online or otherwise will usually exchange the vanity for you if you should change your mind but, it sure is easier to get it right the first time.

Shopping for a new piece of furniture shouldnt be a chore, it should be an adventure. Surely you want your home to be a beautiful reflection of your personality, so theres no need to rush into a decision. Take your time and choose carefully, and have confidence in the item you choose!

You can follow any responses to this entry through the RSS 2.0 Both comments and pings are currently closed.

Source: http://whs1997.com/shopping-for-the-perfect-bathroom-vanity-cabinet-for-your-home/

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Tuesday, February 21, 2012

Residential Real Estate Property Basics For Buyers/sellers On ...

February 20, 2012 by patrick

Phoenix Property is a massive organisation and everyone may seem to want to get Phoenix Real Property. Earning profits Cash Loan in Real Estate just isn?t creating quick dollars; it?s also pertaining to creating enough wealth which you could literally never really need to work again! A lot more people are getting interested in buy property and spend money on real estate during these cities. Upcoming list what unhealthy habits you have which you want to eliminate. There is likewise ample scope for augmenting real-estate business through online social bookmarking sites.

Second, real estate can be a more reliable investment inside a normal market surroundings. There are those who wish to live like hermits in addition to a mountain but it is somewhat arduous and challenging and is also not exactly precisely what everyone would call a holiday. Although some people might companies may start out laying off workers because you will discover too many workers for the length of work available, this will by no means happen in real-estate. If you desire such opportunities, it is always easier to approach a realtor or a properties broker as these are the ones who seem to know better for the localities and the costs of the components. There are a couple of possible solution and even I invite you to get other possible solutions since you read. You could expend about $350. 00 a thirty day period for my 3 line ad that is the commercial wide variety. Property taxes listed below are also very cheap, ranging about 1% with underdeveloped properties.

Land could be zoned as professional, industrial, or residential (amongst others). If some sort of unrepresented buyer will come the listing agent keeps an entire 6 percent. Most of the services agents provide can be viewed Personal Loan the characteristics agents provide to help you buyers. In this instance, a buyers agency shows that the broker or telemarketer working under the broker possesses a principal relationship aided by the buyer, rather than the vendor. For the season to date, the average lots of days that can be purchased was 92, an overall adjust of -1%.

Arizona, but the security the fact that area offers are able to put. Laura may even give attendees scripts that can help them turn these leads into funds. Most notably, we want that can assist you ?Go in Motion? as well as ?Stay In Motion?? But in this example My goal is to use what is named a ?sandwich let option?. So that this warm becoming to endure within the future, local Nicaraguan must also benefit from the authentic estate and vacation activity that is being conducted in the place.

While coming over for the real residence Costa -Rica is definitely having really cheap real-estate, one of the issues that this city?s real estate property is so popular is so it cost up to 70 % less than properties in the same type elsewhere like in the usa. Traditionally, with motivated vendors, private property in singapore you?ll find fabulous deals. Online it is possible to capture your directs by supplying these products with information on selling or buying their house, finding the value of their total property, or giving them a written report on how to proceed to prepare their house for sale. 30 years ago, a very comfortable correlation existed involving USA market results and it is influence on this Mexican market in addition to vice versa. For model, the deposit might possibly be $9, 000 for home selling for a price of $300, 000. All that you should recall is to approach and determine the benefit that you could gain from that investment.


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Source: http://thesmartlyoc.com/residential-real-estate-property-basics-for-buyerssellers-on-phoenix

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Monday, February 20, 2012

HBT: Beckett addresses 'lapses in judgment'

Get ready for some more beer and chicken talk?

While Josh Beckett admitted that ?mistakes? were made in the clubhouse last season, he didn?t feel the need to apologize Sunday for his ?lapses in judgment.?

Rightly or wrongly, Beckett has been treated as the worst offender or maybe the ringleader in all of the talk surrounding the members of the Red Sox rotation and their behavior in the clubhouse.

?I really can?t control that,? he said. ?I?m sure that manifests itself somehow. I can?t control that. ?For me, I can only speak for myself here, I think that we had ? I had ? lapses in judgment, and I can?t speak for everybody else.?

Asked to define the ?lapses in judgment,? Beckett replied,??We made mistakes in the clubhouse. That?s about as far as I?ll go talking about the clubhouse.?

Beckett does expect a different atmosphere this year. He said he was distracted at times last year, though that it didn?t affect his?preparation.

?I never missed a workout,? he said. ?I was ready to pitch every time I pitched. I didn?t execute pitches in my last two starts. I put on a little bit of weight. I don?t have a reason for it, but it happened. I?m looking forward to going forward from here.?

Source: http://hardballtalk.nbcsports.com/2012/02/19/josh-beckett-no-apology-needed-for-lapses-in-judgment/related/

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Protecting Commercial Secrets in Outsourcing | Russia

It is no surprise that outsourcing became an?essential part of?business a?long time ago. The?advantages offered by?outsourcing are indisputable. The?Russian market is no exception; outsourcing is becoming more and?more popular in?resolving various business tasks.

Unfortunately, Russian legislation does not envisage outsourcing and?regulate it properly, so the?business world is using outsourcing mostly based on?a common understanding of?what outsourcing is within the?business community. Many lawyers have already paid a?lot of?attention to?the risks that a?company may face in?using outsourcing schemes, i.e. outsourcing being classed as employment, labor-safety risks, tax authorities claiming that outsourcing schemes are not economic value-added expenses and?that the?aim of?such a?scheme is to?avoid paying taxes or to?transfer to?the simplified tax system, etc. But there is one other important issue that needs to?be discussed.

It is common for?any company to?try to?protect its commercial secrets and?confidential information from?its competitors. In?today?s world, where information and?information technologies have significant value, effective legal tools are vital for?information holders to?be able to?protect these assets and?combat unfair encroachment on?them.

There are, however, numerous examples of?unfair competition all over the?world, and?many of?them involve business relations between companies where one was outsourced by?another.

Outsourcing is the?transfer of?certain business tasks to?specialized companies that possess experience, knowledge and?professional skills in?a specific field. Sometimes these tasks can be of?great value, i.e. IT-outsourcing, etc. When we execute an?outsourcing contract we usually envisage a?number of?provisions regulating protection of?our commercial secrets. In?many jurisdictions this would be sufficient for?protection. But when companies are confronted with this in?Russia they may be astounded to?learn that, even despite the?evident illegality of?a competitor?s actions, they are extremely restricted in?protecting their business judicially.

When business tasks are outsourced the?services are legally rendered by?a company, but in?reality everything is done by?humans. It is expected that these people represent the?company, and?their employer is liable for?any damage caused by?them when they are at?work.

Some lawyers say that it is possible to?execute a?confidentiality agreement with the?employees of?the outsourced company, but this measure is likely to?present you with additional risks of?turning outsourcing into?employment, rather than protecting your commercial secrets. This option is thus not recommended.

Formally under Russian law an?employee is required not to?disclose commercial secret information of?the employer or its business partners or, without their permission, to?use this information for?personal ends and, on?termination or cancellation of?the employment contract, is required to?hand over to?the employer all media containing trade secrets.

But in?reality Russian law does not contain any effective instrument to?make a?company liable for?disclosure of?a client?s commercial secret information committed by?an employee. Thus, having reviewed Russian court practice, we see that one of?the main difficulties is to?show the?cause-and-effect relationship between disclosure of?information and?losses to?business. In?Russia, in?a court dispute the?affected party must prove that illegal actions took place, otherwise the?claim will be dismissed. But very few companies have succeeded in?doing this, as Russian courts take a?very conservative approach to?the protection of?confidential information.

In?addition, throughout the?whole period of?the court proceedings the?company will have no legal opportunity to?stop the?disclosure, as under Russian law this is possible only under a?court decision.

Take, as a?counter example, English law, which allows restrictive covenants. These are contractual noncompete or other obligations designed to?protect a?company?s business. If the?restrictive covenants are breached, the?company can go to?court for?prohibitive interim measures in?order to?preclude a?drawn-out or potential violation, after which a?claim is filed for?recovery of?losses in?cash, sometimes reaching huge sums. Russian law, however, does not allow restrictive covenants.

Summing up the?above, current Russian legislation is very poor at?protecting commercial secrets in?an outsourcing scenario. The?only thing that will stop a?contractor from?disclosing confidential information is earning a?bad reputation on?the market, but this is not an?obstacle for?many companies acting unfairly.
http://www.themoscowtimes.com/business/business_for_business/article/protecting-commercial-secrets-in-outsourcing/453001.html


News from The Moscow Times

?

Source: http://www.apecdoc.org/site/russia/2012/02/20/protecting-commercial-secrets-in-outsourcing/

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Sunday, February 19, 2012

The Benefits Of Helmet Cams

You will find a lot of reasons why helmet cams have become in recognition over the past few years. Among individuals whose sport requires mind gear particularly, these specialized cameras are made to clip onto headgear with no interference throughout the game. You might also need a choice of clipping the recorder on your shirt, but this isn?t really suggested by producers. The cameras are usually small capable to capture video imaging with many different movement so you can easily understand why these cams particularly are very well suitable for sports.

Also called helmet mount cams, POV (perspective) cams and bullet cameras, these recording products are outfitted with wide position contacts that assisted in the capture of action moments. Among the finest benefits of utilizing this kind of video camera is having the ability to go hands-free while taking part inside your selected sport. Skateboarders, bike fanatics along with other partakers of extreme hobbies and activities can usually benefit from recording their endeavors, particularly if an injuries is incurred. By watching the recorded material from helmet cams, you are able to critique your speed and agility and as a result potentially become better inside your selected sport.

There?s several helmet cams in the marketplace today. Some are even completely waterproof for individuals who take part in sports like spelunking and kayaking. While you might not need a fully waterproof video camera, most are water and shock resistant, durable and completely dependable while in the sun and rain. With this thought, trading inside a helmet mount cam could meet your needs exactly, particularly if you are searching to find sponsorship inside your selected sport and want footage of the performance to exhibit potential scouts. Another advantage to those cams if you?re already backed is a chance to make use of the video recording inside your practicing approaching competitions and bouts to make the performance your very best possible.

One more benefit of helmet cams is a chance to share your endeavors without only buddies and family, but yourself too. Watching your sport undertakings afterwards could be like reliving the hurry and thrill you felt while available doing the work and as a result will help you conquer new achievements next time you venture out. Showing family members your adventures is yet another advantage of POV cams, especially if they?re not brave enough to test it on their own or if you wish to share exactly what it?s that you simply do inside your particular activity.

Source: http://sports-skateboarding.chailit.com/the-benefits-of-helmet-cams.html

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Real Estate Video Marketing: Video Equipment For Real Estate

Stephen

Hi I'm Stephen Garner, I'm the Director Of Sales Technology for Lawyers Title of Arizona. I teach clients of Lawyers Title of Arizona HOW TO leverage sales technologies like WordPress, Content, Video, Camtasia, Final Cut X, iMovie and indexable IDX solutions to convey value and help your ideal client find you online when they are most interested in learning about you and your services. I work for escrows. Hire me!

Source: http://mytitleguy.com/2012/02/youtube-real-estate/

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Saturday, February 18, 2012

lsbizopp - 10-Minute Cardio Aerobic Exercise Workout at Home ...

In this video I take you through an excellent 10-minute aerobic cardio workout that you can do right in your own home any time it is convenient. I recommend you do this every day if you are trying to lose weight or even just to reduce stress. Doing regular aerobic exercise is so important for a healthy heart, and overall fitness of your body. It helps to build endurance for all sports. Cardiovascular exercise is any type of exercise that increases the work of the

How Can I Get Motivated To Lose Weight...

Source: http://lsbizopp.livejournal.com/548233.html

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Quitters Never Win (Balloon Juice)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/200918043?client_source=feed&format=rss

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Thursday, February 16, 2012

Vaccines Don't Cause Autism, Please Vaccinate Your Children [Science]

Yet another study has found no association between vaccines and autism. Mercury, the ingredient in vaccines suspected of causing learning disabilities, hasn't been used to preserve the medicines since 2001. And since then, the incidence of autism has still increased. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/x4FU5SsqRQY/vaccines-dont-cause-autism-please-vaccinate-your-children

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Help Yourself Today ? Self Help Tips And Techniques Anyone Can ...

Posted on by admin

Many people try personal development techniques, but often they find them hard to accomplish. Barriers, such as physical fitness, mental capacity or self control, can hinder those who wish to try personal development. The tips found in this article will help anyone attempting personal development to break down those barriers. These few considerations will make a difference in your knowledge as they relate to Driving fear. However is that all there is? Not by a long shot ? you actually can broaden your knowledge greatly, and we can help you. However, you will discover them to be of great utility in your research for information. However, we always stress that anyone takes a closer examination at the general big picture as it relates to this subject. We are not finished, and there are just a couple of very strong suggestions and tips for you.

Decide whether or not joining a support group is right for you. Joining a support group can be great. Just finding people struggling with the same things you are can be a huge help. On the other hand, if you suffer from something like an eating disorder, a support group probably isn?t the right place for you.

Exercise to improve your body, mood and life. Nothing lifts spirits and awakens minds better than a blood-pumping exercise regimen that also adds tremendous value to a healthy lifestyle. Plus, when you are fit, you will naturally have a lot more confidence, and that will carryover into everything that you do.

Ask for feedback sincerely and frequently when it comes to personal development. In the office, develop a support structure of people you know and respect to give you periodic feedback on how you are doing with your development plan. At home, ask your family sincerely to help you achieve your goals. Be sure to accept any feedback as a gift, even if it is difficult to hear. The effects of Fear of vomiting, not only on you but many others, is a fact that has to be acknowledged. No one really can effectively address all the different situations that could arise with this particular topic. There is a lot, we know, and that is the reason why we are taking a very short break to say a few words about this. In light of all that is offered, and there is a lot, then this is a great time to be reading this. Our final few items can really prove to be highly effective considering the overall.

Exercise regularly to build strength and endurance. When you have stamina, you have more energy to withstand the challenges of everyday life. This will boost your confidence, increase your mental clarity, and will help you keep going in any endeavors that you take on in self-improvement. Your overall health influences how you live.

Power naps can be a very effective way to help you maintain your body and mind. If you have a few minutes during the day, don?t hesitate to take 15 minutes and nap. You will wake up feeling refreshed and ready to continue completing your work for the day ahead of you.

Consider another perspective when you are tempted to let loose on the offending party. Before you act harshly, ask yourself whether your reaction would be appropriate if you were in the other person?s position. There is a good chance that you can come up with a past incident in which you made the exact same mistake. Would your response be appropriate?

Being a better person is easier said than done. One of the biggest tips I can give is that you have to have a open and curious mind. Ask a lot of questions and always be willing to other?s opinions. Don?t let your own mindset destroy an opportunity to grow and learn.

In order to create a serene environment for yourself you need to take steps to organize your home. Many people start off their day poorly because they are not able to find their keys or their phone in the morning. Taking the time to place those items in a designated spot can help you start your day off well and thus create a better day for yourself.

Everyone wants to move forward. Strive for your goals, better yourself, show kindness to others, dream, and put others before yourself. Personal development is all encompassing, and you should always be striving towards this goal. Follow the advice from this article, and you will find yourself living a more healthy and full life today. You have just read a fairly complete overview on How to redcue face fat, but that is nothing comprehensive by any means. People tend to have more effective results and feel more fulfilled when they delve deeper into this subject. In a moment, we will talk about this much deeper kind of knowledge that we feel greatly develops upon the above. When you are reading through more, keep your own situation in mind at all times.

This entry was posted in Uncategorized and tagged advice, goal setting, personal development, personality development, positive attitude, self improvement, self-help.

Source: http://www.portaltoascension.com/help-yourself-today-self-help-tips-and-techniques-anyone-can-use/

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Wednesday, February 15, 2012

[OOC] Save Me: The Forbidden

Forum rules
This forum is for OOC discussion about existing roleplays.

Please post all "Players Wanted" threads in the Roleplayers Wanted forum!

This topic is an Out Of Character part of the roleplay, ?Save Me: The Forbidden?. Anything posted here will also show up there.

Topic Tags:

Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "Save Me: The Forbidden"

You may edit this first post as you see fit.

Life is like a rose, the more it opens, the more you become beautiful XD

User avatar
PrinceoftheHunters
Member for 1 years



reserve the second female human for me please :)

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brigitteanncastro
Member for 1 years


hi, can i reserve vampire male..?

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kathrin
Member for 0 years




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