nc department of insuranceBiggest insurance resour...

Posted: 2005-07-25T13:15:30Z

Source: nc department of insurance

Biggest insurance resource on the Internet

New Diagnosis for Overweight

Posted: Tue, 08 Feb 2005 00:00:00 EST

Source: Germaine Savoy has known for years she needed to lose weight and figured she was in for another lecture when she went to see her doctor last week. She wasn't expecting to hear that she had some strange, ominous-sounding syndrome.

call them on the phone or search for quotes onl...

Posted: 2005-10-29T19:45:35Z

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How To Save Money On Your Homeowners Insurance?
Author: Tim Gorman
How To Save Money On Your Homeowners Insurance?

In order to save money on your homeowners insurance you have to consider several price determining factors. One of the biggest factors is whom your insurance provider ends up becoming. You should consider shopping around in order to get as many price quotes as possible. Try to get at least three as a minimum. You can visit insurance companies directly; call them on the phone or search for quotes online. Aside from price other factors you may want to ask about include customer service, complaint records and responsiveness.

Deductible - As with your auto insurance, raising your deductible can help save money on your homeowners insurance. The deductible is the amount of money you have to pay toward a loss before your insurance company starts to pay a claim. Only consider a deductible amount that you can afford in the case of an emergency. Remember you?re dealing with your primary residence so you want to be careful.

Multiple Insurance - In many instances most insurance companies want more of your business. With that in mind they sometimes offer generous discounts if you have multiple insurance policies with them. For instance your auto and homeowners insurance policies.

Housing Improvements ? By making some improvements to your house allowing it to become more weather, earthquake and other natural disaster resistant you can lower the amount you would have to pay on your house insurance bill.

Rebuilding Costs ? When deciding on how much insurance coverage you really need make sure to subtract the land that the house resides on. Your land doesn?t require insurance protection and having it as part of the basis for your insurance needs will raise your total cost.

Discounts ? Ask your insurance company if the offer discounts for security devices, fire alarm systems, sprinkler systems and other burglar devices. They may even offer senior discounts if you?re over the age of 55. Ask if you qualify for any other discounts they may offer.

Policy Limits - You want your policy to cover any major purchases or additions to your home. But you don't want to spend money for coverage you don't need. However be careful about eliminating floater insurance. This insurance covers your valuable possessions such as your jewelry, Rolex watches and fur coats. Your computer equipment may also need a floater policy. Failure to have them could result in not receiving adequate reimbursement if those items are ever damaged or stolen.

Location ? If you really want to save money on your homeowners insurance then you need to make sure your house is built to withstand the natural weather occurrences that take place in your local area. Earthquakes, floods and fires behave differently in different parts of the country.

Hopefully this information can help you focus in on some areas within your homeowner?s policy that you can review with your insurance agent in the hopes of actually lowering your house insurance rates instead of raising them.

About the Author

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website.

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Discount Insurance Get Affordable Coverage For All Your Insurance Needs
Insurance is an important part of our lives If you are shopping for health auto life or home insurance you may be shocked by the dramatically rising costs of insurance coverage No one can afford to be without insurance coverage on his or her vehicles home life or health Discount insurance carriers are the perfect way for you to obtain the insurance coverage you require at affordable prices Discount insurance will not only save you hundreds of dollars per year but you may find that the coverage offered by a discount insurance agent is superior to the coverage you currently have Your home and auto are major investments that should be protected with excellent insurance coverage Affordable rates and quick online quotes make shopping for insurance an easy and enjoyable expe

Term Life Insurance Finding Your Rate Online
Term life insurance rates vary more than most people might imagine Depending on the life insurance company you choose you could end up paying a lot higher rates for the same policy Surprisingly many people will shop around for the best price on a toaster or a hotel room but when it comes to picking a term life rate that fits their budget most dont want to do much searching Part of the reason for that is probably how difficult it used to be to compare term life insurance rates For example you would have to call each life insurance company and deal with their agents Then youd have to do the life insurance comparison yourself Term life insurance rates are now online and based on your needs you can have them delivered to you all on one form so they are easier to c

Apply Online for Temporary Health Insurance
There are times when youll find yourself temporarily without health insurance You may be between jobs just starting a new job or a student who is no longer covered on your parents health insurance Temporary health insurance purchased online can help provide gap coverage for those times when regular health insurance isnt a possibility Short term health insurance is one of the easiest types of insurance to purchase online It is meant to cover major emergency medical expenses for people who are temporarily without other health insurance Sometimes referred to as catastrophic health insurance it is not designed to be your primary health insurance It wont pay for preventive health care routine office visits and prescriptions for preexisting health conditions like asthma a

Life Insurance Basics
One of the most important things you can do as parents is to ensure the financial welfare of your children in the event of your death Life insurance is the best way to be rest assured that your children will be taken care of if you die Although we never like to think of that kind of thing happening but it does What is Life Insurance Life insurance is a policy that you can enter with your insurance company which promises a certain amount to your beneficiaryies in the event of your death Usually a spouse will name the other spouse as well as their children as beneficiaries of the policy As part of the agreement with life insurance your insurance policy will be a monetary value that you will in return pay a monthly premium for Premiums usually depend on your age

What is Home Insurance
Home Insurance is designed to provide you with financial protection against any damage and possible risks that your property and possessions within it may face against unforeseen events and circumstances Home insurance is commonly taken to describe both buildings insurance which insures the fabric of your property and contents insurance which covers your belongings Basically it is a contract you make with an insurance company You have to pay a premium and in return the insurance company will pay for financial losses that are related to your property or your home during the period of the contract Home insurance also known as Household insurance or Buildings and Contents insurance provides protection against loss or damage of your property Protecting this in


Group Term Life Insurance and the Options Available
Group term life insurance is more affordable than individual life insurance policies because the costs to the insurer are lower They have less paperwork to handle and are guaranteed multiple accounts from one sale which is their incentive for offering this type of policy A group term life insurance policy offers life insurance coverage to all the employees of a particular organization or to any other group of people that apply for it It covers the unexpected death of an employee and group term life insurance benefits are usually calculated based on the employees lost income wages Offering group term life insurance is much more affordable for a company than offering individual life insurance policies for each employee Considering how important it is to offer compet

Life Insurance Benefits
Life Insurance is a legal contract between you and a life insurance company with the purpose of providing an income to spouse children or other beneficiaries in the event of your death There are two different categories of Life Insurance Term Insurance is designed to provide death benefits for a specific time period It is set up to pay a death benefit if a person should die in this specific time period The most common term for life insurance is 20 years Term Insurance has many benefits it is relatively inexpensive to purchase initially The reason for this is because your only paying for this death benefit if the death occurs during this specific time period or term Term life insurance is great for young couples just starting a family It is affordable and offers high lev

Why Should You Purchase Your Auto Insurance Online
If youre interested in slashing your auto insurance bill in half then theres no reason why you shouldnt consider purchasing auto insurance online Buying your auto insurance online is extremely easy and very convenient The process is fast and only requires filling out a simple form The best part is you can receive multiple quotes from several different auto insurance providers from the privacy of your own home You can even search for a new money saving car insurance policy in your pajamas if desire to do so Many experts agree that most consumers overpay on their insurance policies due to a lack of shopping around This includes vehicular insurance Additionally they overwhelmingly endorse purchasing auto insurance online due to the ability to start your insurance applicatio

Apply Online for Temporary Health Insurance
There are times when youll find yourself temporarily without health insurance You may be between jobs just starting a new job or a student who is no longer covered on your parents health insurance Temporary health insurance purchased online can help provide gap coverage for those times when regular health insurance isnt a possibility Short term health insurance is one of the easiest types of insurance to purchase online It is meant to cover major emergency medical expenses for people who are temporarily without other health insurance Sometimes referred to as catastrophic health insurance it is not designed to be your primary health insurance It wont pay for preventive health care routine office visits and prescriptions for preexisting health conditions like asthma a

Health Insurance Online Save Today
It is now possible to thoroughly research and buy health insurance online Without health insurance the smallest of incidents accidents or illness can leave you with expensive medical bills that most people would have difficulty paying Even a short check up at the doctors office for a sore throat or minor illness can cost a couple hundred dollars Its important for everyone to obtain health insurance no matter how healthy you tend to be because you simply cannot predict what might happen There are many things to consider when you get ready to purchase your insurance and thankfully the ability to obtain your insurance online has also enabled us a fast way to compare the prices of many different companies in a very short time Can you imagine if you had to look up the ph


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Recent Wines in August

Posted: 2005-08-25T10:26:17-07:00

Source: Back towards the beginning of the month, we had some fairly notable wines: Raveneau Montee de Tonnere 1997 Chablis (this was terrific, with great acidity and an almost licorice concentration) Leroy 1978 Meursault AOC (fascinating and well-stored but more...

Gas-blockers might slow down Alzheimer's disease

Posted: Sat, 05 Nov 2005 04:00:00 GMT

Source: A noxious gas speeds up brain degeneration in Alzheimer's disease, according to a study in the November 7 issue of The Journal of Experimental Medicine. Carl Nathan and colleagues at Cornell University Weill Medical College found that an enzyme that triggers the production of nitric oxide (NO) - a gas that helps immune cells fight off invading pathogens - accelerates the formation of brain lesions in Alzheimer's-prone mice... click link for more info.

Merck Withdraws Arthritis Medication

Posted: Fri, 01 Oct 2004 00:00:00 EDT

Source: The blockbuster arthritis drug Vioxx was taken off the market yesterday by Merck & Co. after a study confirmed simmering concerns that it significantly raises the risk of heart attack and stroke. More than 2 million people take Vioxx worldwide, making this the largest voluntary drug recall in...

The VOIP Wave ... he VOIP business opportunity for...

Posted: 2005-07-17T13:01:39Z

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The VOIP Wave

<> /> ... he VOIP business opportunity for internet marketers. VOIP, broadband phone ... VOIP and Broadband Phone Opportunity VOIP is the next technology wave ... to be you? Are you a MLM marketer with an existing ...
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visit www.fortune-hi-tech.info

Dust storms in Asia can have implications in geographically remote countries

Posted: Thu, 20 Oct 2005 13:01:03 +0000

Source: Dust storms in Asia can have implications in geographically remote countriesBacteria found in soil around Tokyo are not indigenous to the area. A study published in the BioMedCentral open access journal Saline Systems reveals a large proportion of salt-loving bacteria in non-saline soil around Tokyo. The researchers suggest that dust storms may have carried the [...]

cheap health insurance Filing Auto Insurance Cla...

Posted: 2005-10-18T17:11:18Z

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Filing Auto Insurance Claims: The Basic Steps to Take
Author: Tim Gorman

An automobile accident can be a terrifying event for anyone, even when there are no injuries sustained. However, it is still necessary to take proper action after the collision to make filing auto insurance claims as simple as possible. Filing auto insurance claims may seem demanding at first glance, but following the correct steps can ensure success.

Be sure to carry your insurance card with you at all times for easy access. This card contains the type of coverage you have and how long it spans, your vehicle's make, model and identification number, and emergency and after hours phone numbers. Call your auto insurance agent to inform the company of the occurrence as soon as possible.

Most insurance companies request some form of documentation to support your claim. Writing down names and addresses of those involved or possible witnesses may aid when filing auto insurance claims. Noting specific details such as the weather, or visibility also may be of assistance. And of course, a copy of the police report is required, along with a proof of claim form provided by the insurance company.

Once all the information has been provided to the insurance company, and the claim form has been filled out, you can basically just sit and wait to see what develops. If there happens to be a dispute between the participants in the accident, you may receive a call from the other driver's insurance company inquiring about your version of the collision. Support your case. Document the conversation and make note of the insurance agent you spoke with.

Your case will be designated a claims adjuster, regardless of the car's condition. The car will be taken to a body shop, and the shop will evaluate damage done to the automobile. They will then send a report to the insurance company with an estimate for repairs. The insurance company will determine retail value after assessment of the report. If the repairs transcend 70 to 80 percent of the car's retail value, it is deemed totaled by the insurance company.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto insurance, life and home insurance that you can research in your pajamas on his website.

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Discount Insurance Get Affordable Coverage For All Your Insurance Needs
Insurance is an important part of our lives If you are shopping for health auto life or home insurance you may be shocked by the dramatically rising costs of insurance coverage No one can afford to be without insurance coverage on his or her vehicles home life or health Discount insurance carriers are the perfect way for you to obtain the insurance coverage you require at affordable prices Discount insurance will not only save you hundreds of dollars per year but you may find that the coverage offered by a discount insurance agent is superior to the coverage you currently have Your home and auto are major investments that should be protected with excellent insurance coverage Affordable rates and quick online quotes make shopping for insurance an easy and enjoyable expe

Seven Steps to Filing Your Car Insurance Claim
Having even a teenytiny car accident can be one of lifes least enjoyable moments However accidents happen and sooner or later we all have the experience of meeting one of our fellow road travelers up close and personal Using the following seven steps to filing your claim will help you get over this speed bump as smoothly as possible Step 1 Understand your policy Before a loss sit down and carefully read your insurance policy Call your agent or company if you have any questions about what is or is not covered Step 2 Exchange information If you are involved in an accident get the other drivers name address phone number insurance carrier and insurers phone number Be prepared to give the same information about yourself to the other driver You ca

Cheap Health Insurance Rates and Personal Health Insurance
If youve been out of school for a couple of years or perhaps just graduated from college youre probably a candidate for cheap health insurance Once a person reaches a certain age theyre no longer covered by their parents health insurance plan If youre just starting out its important to find cheap health insurance coverage If youve just graduated from school or just started work and you dont have coverage dont be tempted to forgo this necessary expense because you never know when an accident can happen Most people are looking for modest coverage but also want some essentials Generally when a person buys their own coverage they tend to favor high deductibles to save money on the cost of premiums Personal health insurance Cheap Health Insurance and low cost h

Health Insurance Online Save Today
It is now possible to thoroughly research and buy health insurance online Without health insurance the smallest of incidents accidents or illness can leave you with expensive medical bills that most people would have difficulty paying Even a short check up at the doctors office for a sore throat or minor illness can cost a couple hundred dollars Its important for everyone to obtain health insurance no matter how healthy you tend to be because you simply cannot predict what might happen There are many things to consider when you get ready to purchase your insurance and thankfully the ability to obtain your insurance online has also enabled us a fast way to compare the prices of many different companies in a very short time Can you imagine if you had to look up the ph

Affordable Health Insurance Health Insurance For The Self Employed
One of the things that is important to consider when you leave corporate America for the freedom of your own business is affordable health insurance In fact the reason most often cited for NOT taking the plunge into selfemployment is the lack of cheap health insurance alternatives for people who are not employed by a company that can offer more affordable rates on health insurance through a group health insurance plan If you do decide to brave it and be your own boss there are many places where you can cut corners Letting yourself or your family go without health insurance isnt one of them Here are some common options that can make health insurance affordable if youre a selfemployed entrepreneur or crafter Coverage under a Spouses Plan By far the most commo


CarInsurancecom Is Available At All Dealerships With Internet Access
You are ready to buy your first car Researching the right vehicle can be a daunting task You search for the right type of vehicle you need the color you want the type of interior You have spent countless hours narrowing down the right vehicle for you You find out what the MSRP Manufacturers Suggested Retail Price is by using the following services Offline Consumer Reports Magazine Auto Week Magazine Your local newspapers auto section Local dealers Online Consumer Reports Edmundscom wwwedmundscom Kelly Blue Book wwwkbbcom NADA guide book wwwnadaguidescom Now you have the right model in mind You are ready to purchase a car You now have a good idea of how much you should spend how much you are wil

What to Look for in Good Health Insurance
Health insurance is a kind of protection that provides payment of benefits for covered sickness or injury Included in health insurance are various types of insurance such as accident insurance disability income insurance medical expense insurance and accidental death and dismemberment insurance Before sign the health insurance policy make sure that you have read thoroughly the benefits section Take note of any health care service that is not covered by your health insurance policy Also pay specific attention to how the health insurance policy is worded Sometimes health insurance companies hide the health insurance coverage exclusions within the definitions of words For instance a health insurance company may define the term emergency as anything that is life t

Online Health Insurance Quotes Finding The Cheapest Rates Possible
Shopping for health insurance can be very discouraging when you become aware of the costs If you are in search of affordable health insurance an online quote may be very helpful to you Purchasing insurance online or simply getting an online quote from one or more health insurance carriers can save you a lot of money on the health insurance you so desperately need Hospital and doctor bills can be too costly for most people too afford without a health insurance plan Uninsured or under insured medical bills can spell disaster A health insurance plan is imperative to your health and your financial security Online health insurance quotes are available now and you may find more affordable rates than you expected You can find the cheapest rates possible for your health insurance

Health Insurance Online Save Today
It is now possible to thoroughly research and buy health insurance online Without health insurance the smallest of incidents accidents or illness can leave you with expensive medical bills that most people would have difficulty paying Even a short check up at the doctors office for a sore throat or minor illness can cost a couple hundred dollars Its important for everyone to obtain health insurance no matter how healthy you tend to be because you simply cannot predict what might happen There are many things to consider when you get ready to purchase your insurance and thankfully the ability to obtain your insurance online has also enabled us a fast way to compare the prices of many different companies in a very short time Can you imagine if you had to look up the ph

How Many Homeowner Insurance Quotes Do I Need To Save Money
Homeowner insurance quotes can vary in the amount they cost you based on a variety of factors many that you can control There are of course some variables that are common among all house insurance policies They include the size of your house in total square feet the building costs in the area that your property resides in the materials used to construct your home the amount of crime in and around your neighborhood and the condition of your homes plumbing heating and electrical wiring Do you live in an area that has numerous natural disasters such as fire floods or tornados If so they can add to the insurance costs There are numerous ways to mitigate the cost of your insurance before you even decide to get homeowner insurance quotes They include raising your deductible bu


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OTC Medication Inadequate for Heartburn Control

Posted: Sat, 22 Oct 2005 12:00:00 GMT

Source: Nine out of ten (91 per cent) people with gastroesophageal reflux disease (GERD) experience an improvement in symptoms when taking a proton pump inhibitor (PPI) compared to only six out of ten (65 per cent) who take over the counter (OTC) medications. However, more than two thirds of sufferers continue to take OTC medications to manage their symptoms... click link for more info.

NATION IN BRIEF

Posted: Sat, 22 Oct 2005 00:00:00 EDT

Source: NEW YORK -- A three-alarm fire in a subway storage room in Manhattan disrupted the morning commute for tens of thousands straphangers and injured 13 firefighters.

Northeast Sees Worst of Heavy Rain End

Posted: Sun, 16 Oct 2005 00:00:00 EDT

Source: WORCESTER, Mass., Oct. 15 -- Severe flooding swept away cars, uprooted trees and forced evacuations as the Northeast endured another day of driving rain Saturday. But in some places, the sun was shining for the first time in a week.

regardless of who is at fault. When shopping fo...

Posted: 2005-10-10T14:19:14Z

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The Right Auto Insurance Can Save You Money!
Author: Mike Yeager

Auto insurance is a protective feature that everyone needs who owns a car. Auto insurance allows you to have financial coverage in case you are involved in an auto accident; regardless of who is at fault. When shopping for auto insurance keep in mind that rates will vary dramatically for the same driver, depending on which company you ask. The key to savings lies in comparing many auto insurance quotes, to find the insurer that will give you the best rates.

If the auto insurance company you?re investigating is sound then it?s possible to purchase cheap auto insurance coverage that will give you peace of mind. Most states require you to purchase a minimum amount of auto insurance. In order to even drive your car you need to have at least liability insurance, in other words you have insurance to cover the expenses of the other party if you cause an insurance. If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills.

There are some insurance companies that offer discounts to those drivers who put fewer than a predetermined number of miles on their cars each year. Considering the high price of gasoline, carpooling and taking public transportation such as buses around town can help you save more than just premium dollars.

You?ll find that there are many places to locate cheap auto insurance to not only save you money but to also give you adequate coverage and protection.

Take your time to look around and you?ll find that you can save on your auto insurance rates.

About The Author

Mike Yeager

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mjy610@hotmail.com

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Need Insurance for Self Employed
If you are either self employed to unemployed you know how important insurance can be Are you paying top dollar for COBRA I was too for a while until I found a great and easy website to shop for Insurance I am sharing this with everyone so maybe you can find a good deal on Insurance faster than I did Check out Insurance from 79 About the Author J Ratliff is self employed and has researched Insurance while looking for the best deal for himself

Group Term Life Insurance and the Options Available
Group term life insurance is more affordable than individual life insurance policies because the costs to the insurer are lower They have less paperwork to handle and are guaranteed multiple accounts from one sale which is their incentive for offering this type of policy A group term life insurance policy offers life insurance coverage to all the employees of a particular organization or to any other group of people that apply for it It covers the unexpected death of an employee and group term life insurance benefits are usually calculated based on the employees lost income wages Offering group term life insurance is much more affordable for a company than offering individual life insurance policies for each employee Considering how important it is to offer compet

Discount Insurance Get Affordable Coverage For All Your Insurance Needs
Insurance is an important part of our lives If you are shopping for health auto life or home insurance you may be shocked by the dramatically rising costs of insurance coverage No one can afford to be without insurance coverage on his or her vehicles home life or health Discount insurance carriers are the perfect way for you to obtain the insurance coverage you require at affordable prices Discount insurance will not only save you hundreds of dollars per year but you may find that the coverage offered by a discount insurance agent is superior to the coverage you currently have Your home and auto are major investments that should be protected with excellent insurance coverage Affordable rates and quick online quotes make shopping for insurance an easy and enjoyable expe

High Risk Auto Insurance How to Lower Rates
How is your driving record lately Do you have a large amount of speeding tickets or maybe a few car accidents on your driving record High risk auto insurance generally means one thing for sure higher car insurance rates Even though high risk auto insurance rates are typically higher there are a few things that you can do to reduce your costs now There are other factors here as well Insurance companies will continually deem men a greater risk than women teens greater than adults and urban folk greater than rural dwellers Whether youve had auto insurance coverage continuously over the past few years will affect your risk rating because insurers assume youve either been driving without coverage which is bad or had your policy canceled by the previous insurer which is e

Affordable Health Insurance Health Insurance For The Self Employed
One of the things that is important to consider when you leave corporate America for the freedom of your own business is affordable health insurance In fact the reason most often cited for NOT taking the plunge into selfemployment is the lack of cheap health insurance alternatives for people who are not employed by a company that can offer more affordable rates on health insurance through a group health insurance plan If you do decide to brave it and be your own boss there are many places where you can cut corners Letting yourself or your family go without health insurance isnt one of them Here are some common options that can make health insurance affordable if youre a selfemployed entrepreneur or crafter Coverage under a Spouses Plan By far the most commo


Should I Buy Rental Car Insurance
Rental car agencies have a menu of insurance policies they would like to sell you While each policy could be of some benefit under the right circumstances you should review each plan its provisions limitations and exclusions before making a purchase It is a good idea to request the detailed information from an agent at the rental office as most companies only provide a summary on their Web sites Keep in mind you may not need to buy this additional car insurance because you have auto insurance from your own car insurance company Generally speaking when you rent a car the liability coverage limits you have in your own auto insurance policy remain in effect with the same limits In addition the comprehensive and collision coverages you have in your own auto insurance po

Online Health Insurance Quotes Finding The Cheapest Rates Possible
Shopping for health insurance can be very discouraging when you become aware of the costs If you are in search of affordable health insurance an online quote may be very helpful to you Purchasing insurance online or simply getting an online quote from one or more health insurance carriers can save you a lot of money on the health insurance you so desperately need Hospital and doctor bills can be too costly for most people too afford without a health insurance plan Uninsured or under insured medical bills can spell disaster A health insurance plan is imperative to your health and your financial security Online health insurance quotes are available now and you may find more affordable rates than you expected You can find the cheapest rates possible for your health insurance

What is Permanent Life Insurance
Unlike term life insurance permanent insurance policies such as universal life variable universal life and whole life provide longterm financial protection This type of insurance will cover you for the duration of your life and continued on time premium payments Permanent policies provide you with not only a death benefit but in some situations a cash savings It is because of these extra perks that permanent life insurance tends to be more expensive than term life Some features of permanent life insurance also include level premiums so you want to purchase this type of insurance while you are considerably young and in good health This will help decrease the cost of your premiums Permanent policies can also produce dividends You earn dividends when your premiums tur

Are You Overpaying On Your Home Insurance Policy
For many consumers the cost of daily living is becoming increasingly higher High gas prices rising automobile costs and the cost of buying a new home can be very troublesome The additional cost of homeowners insurance has some consumers wondering why and silently complaining to themselves There are lots of reasons why your homeowners insurance policy may be costing you more then it should Just like any other insurance policy or plan the coverage amounts deductibles and various other factors determine the rate at which you pay in order to be legally covered with adequate insurance protection Additional costs arise if you require coverage in the form of flood insurance or fire insurance The easiest solution to see if you truly are overpaying on your home insurance p

Health Insurance Online Save Today
It is now possible to thoroughly research and buy health insurance online Without health insurance the smallest of incidents accidents or illness can leave you with expensive medical bills that most people would have difficulty paying Even a short check up at the doctors office for a sore throat or minor illness can cost a couple hundred dollars Its important for everyone to obtain health insurance no matter how healthy you tend to be because you simply cannot predict what might happen There are many things to consider when you get ready to purchase your insurance and thankfully the ability to obtain your insurance online has also enabled us a fast way to compare the prices of many different companies in a very short time Can you imagine if you had to look up the ph


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Book #43: Ken MacLeod, Cosmonaut Keep

Posted: 2005-08-16T14:12:32-07:00

Source: Finally taking a bit of a break from Michael Sandel and excursions into Philip Pettit, and began reading MacLeod's "Engines of Light" trilogy over the weekend. "Cosmonaut Keep (The Engines of Light, Book 1)" turned out to be an...

Kaiser Daily Health Policy Report Examines Developments Related to Medical Malpractice in Mississippi, Washington

Posted: Sat, 15 Oct 2005 20:00:00 GMT

Source: The Kaiser Daily Health Policy Report highlights recent developments related to medical malpractice in two states. Summaries appear below.

• Mississippi: The http://www.macm.net/Medical Assurance Company of Mississippi will reduce malpractice insurance premium rates by 5% in 2006, state Insurance Commissioner George Dale announced on Monday, the http://www... click link for more info.

NATION IN BRIEF

Posted: Sun, 16 Oct 2005 00:00:00 EDT

Source: TEXARKANA, Ark. -- A tanker car transporting the flammable gas propylene derailed in a switchyard and exploded in a ball of fire Saturday, killing one person and forcing the evacuation of hundreds of houses.

Heart disease and stroke

Posted: Sat, 08 Oct 2005 12:43:13 +0000

Source: Heart disease and stroke ‘Cut chronic disease deaths’ callMillions of lives could be saved by acting to reduce the impact of chronic diseases, experts say. Teens’ allergy fears ‘mistaken’Teenagers are avoiding certain foods in the mistaken belief they have an allergy or intolerance, a study has found.

An updated personal history of computing

Posted: 2005-07-31T11:55:32-07:00

Source: Back in 2003 on my "previous" blog, I updated a long-standing essay I'd called "A Personal History of Personal Computing." That blog is long gone in the transition away from Radio Userland to Typepad, but I think it's time...

How much exercise matters more than how hard you exercise

Posted: Tue, 11 Oct 2005 13:00:00 GMT

Source: The amount of exercise a person engages in per week may be more important than the intensity of the exercise. A study in the October issue of CHEST, the peer-reviewed journal of the American College of Chest Physicians (ACCP), shows that adults who participate in mild exercise, such as walking briskly for 12 miles or exercising for 125 to 200 minutes a week at moderate intensity can significantly improve their aerobic fitness and reduce their risk of cardiovascular disease... click link for more info.

Government Can't Explain Increase in 2002 TSA Contract

Posted: Sun Oct 09 00:00:00 EDT 2005

Source: In the wake of the Sept. 11 terrorist attacks, the government changed a contract to hire federal airline passengers screeners in a way that cost taxpayers an additional $343 million. More than three years later, officials cannot explain exactly why.

AAP Issues New Statement on Emergency Contraception for Adolescents

Posted: Sun, 25 Sep 2005 00:00:00 GMT

Source: Below is a news release on a policy statement appearing in the online early release section of Pediatrics, the peer-reviewed, scientific journal of the American Academy of Pediatrics (AAP) and published in the October print version. In a new policy entitled, "Emergency Contraception," the American Academy of Pediatrics (AAP) supports availability of emergency contraception for adolescents... click link for more info.

Rita's Evacuees Head for Home

Posted: Sun Sep 25 00:00:00 EDT 2005

Source: DALLAS, Sept. 24 -- Millions of evacuees from the Gulf Coast emerged from emergency shelters and motel rooms Saturday to be told by officials to stay put and not head home, but a massive return migration began anyway, despite widespread power outages, flooded roadways and long lines for gasoline....

Life is a whim of several billion cells to be you for a while.

PCB effects early in life still unclear (Reuters)

Posted: Thu, 22 Sep 2005 22:44:03 +0000

Source: PCB effects early in life still unclear (Reuters)The findings from a new studysuggest that exposure to polychlorinated biphenyls (PCBs) inthe womb, via the mother’s blood, reduces fetal growth, whereasthose from another suggest no effect. Both studies are reportedin the journal Epidemiology. ‘Light’ Smoking Takes Heavy Toll on Health (HealthDay)There’s sobering news for &quot;light&quot; smokers, or smokers [...]

Books #44 and #45: Ken MacLeod, Dark Light and Engine City

Posted: 2005-08-19T18:14:23-07:00

Source: "Dark Light (The Engines of Light, Book 2)" and "Engine City (The Engines of Light, Book 3)" complete MacLeod's "Engines of Light" trilogy. I finished the latter today, and found the entire trilogy to be a fast and enjoyable...

Azilect can provide significant additional benefits to levodopa treated Parkinson's Disease patients

Posted: Sun, 25 Sep 2005 00:00:00 GMT

Source: New data presented in an oral presentation session, at the 9th congress of the European Federation of Neurological Societies, showed that treatment with Azilect (rasagiline 1 mg) once daily can provide significant additional benefits to levodopa treated patients with moderate to advanced Parkinson's disease (PD)... click link for more info.

Charter Firm Reportedly Had Troubled History

Posted: Sun Sep 25 00:00:00 EDT 2005

Source: DALLAS, Sept. 24 -- The owner of the charter bus that exploded while ferrying nursing home residents away from Hurricane Rita has a history of financial and safety woes, the Dallas Morning News reported Saturday.

Farnsworth: Oh no! I should do something....but i am already in my pajamas.

Pregnancy timeline

Posted: Thu, 22 Sep 2005 13:59:04 +0000

Source: Pregnancy timelineA week by week guide to pregnancy taking in how the baby develops, changes to the mother and key scan dates. Cancer: The factsThe disease tends to affect older people - but can strike at any time.

Book #43: Ken MacLeod, Cosmonaut Keep

Posted: 2005-08-16T14:12:32-07:00

Source: Finally taking a bit of a break from Michael Sandel and excursions into Philip Pettit, and began reading MacLeod's "Engines of Light" trilogy over the weekend. "Cosmonaut Keep (The Engines of Light, Book 1)" turned out to be an...

Mechanism regulating tooth shape formulation found

Posted: Sat, 24 Sep 2005 23:00:00 GMT

Source: One of the remaining challenges for evolutionary developmental studies of mammals, whose evolution is best known from their teeth, is how their tooth shape is altered during development. Researchers of the University of Helsinki together with their Japanese colleagues from the University of Kioto now propose a 'balance of induction' mechanism directing the placement of tooth shape features called cusps... click link for more info.

Red Sox Stay on Track for AL East Showdown

Posted: Sun Sep 25 00:00:00 EDT 2005

Source: Edgar Renteria drives in two runs?in the ninth inning, and the Boston Red Sox regain a share of first place in the AL East by defeating?Baltimore, 4-3, Saturday.

"The first rule of magic is simple. Don't waste your time waving your
hands and hoping when a rock or a club will do."
-- McCloctnik the Lucid

Adult Human Neural Stem Cell Therapy Successful In Treating Spinal Cord Injury

Posted: Wed, 21 Sep 2005 13:51:02 +0000

Source: Adult Human Neural Stem Cell Therapy Successful In Treating Spinal Cord InjuryResearchers at the UC Irvine Reeve-Irvine Research Center have used adult human neural stem cells to successfully regenerate damaged spinal cord tissue and improve mobility in mice. Protein Structure Key For AIDS, Cell FunctionCornell University researchers have discovered the 3-D structure of a protein, human [...]

An updated personal history of computing

Posted: 2005-07-31T11:55:32-07:00

Source: Back in 2003 on my "previous" blog, I updated a long-standing essay I'd called "A Personal History of Personal Computing." That blog is long gone in the transition away from Radio Userland to Typepad, but I think it's time...

Study to examine the effects of synthetic steroids

Posted: Sat, 24 Sep 2005 22:00:00 GMT

Source: Wake Forest University Baptist Medical Center researchers have received a grant of about $5 million from the National Institutes of Health to study factors that may increase premature infants' risk for high blood pressure and kidney disease later in life. "The project is aimed at understanding the potential causes of these problems so that early monitoring and intervention strategies can be developed," said James C... click link for more info.

Hurricanes Katrina and Rita Were Like Night and Day

Posted: Sun Sep 25 00:00:00 EDT 2005

Source: Reinforced armies of federal search teams, medics and National Guard troops began fanning out into wind-whipped and waterlogged southwestern Louisiana and coastal Texas yesterday, racing to prove the government had learned from its disastrous missteps earlier this month on the Gulf Coast.

"...all the good computer designs are bootlegged; the formally planned products,
if they are built at all, are dogs!"
bo-- David E. Lundstrom, "A Few Good Men From Univac", MIT Press, 1987

Illinois Gov. Announces More Funding for AIDS Campaign Aimed at Blacks, Files Emergency Rule To Implement Rapid Testing

Posted: Tue, 20 Sep 2005 22:53:02 +0000

Source: Illinois Gov. Announces More Funding for AIDS Campaign Aimed at Blacks, Files Emergency Rule To Implement Rapid TestingIllinois Governor Rod Blagojevich (D) on Thursday announced that he will increase to $2.5 million funding for an HIV/AIDS awareness and prevention program aimed at blacks in the state, the… http://www.chicagotribune.com/news/local/chicago/chi-0509160318sep16,1,1406090.storyChicago Tribune reports (Slife, Chicago Tribune, 9/16)… click [...]

Book #42: Jasper Fforde, The Big Over Easy

Posted: 2005-07-30T08:23:31-07:00

Source: Fforde's newly released book, "The Big Over Easy: A Nursery Crime", inhabits a world different than the Thursday Next novels, but carry over the author's ability to draw a comic "alternate England" to great effect. The new series follows...

U.S. House introduces Microbicide Development Act of 2005

Posted: Sat, 24 Sep 2005 21:00:00 GMT

Source: Representatives Shays and Schakowsky introduce bipartisan legislation key to HIV prevention. The Alliance for Microbicide Development and the Global Campaign for Microbicides are pleased to announce the introduction of the "Microbicide Development Act of 2005." The bill was introduced in the U... click link for more info.

Officials Hope for an Orderly Return

Posted: Sun Sep 25 00:00:00 EDT 2005

Source: HOUSTON, Sept. 24 -- Hoping to avoid the evacuation debacle that stranded hundreds of thousands of motorists in a super-size traffic snarl of overheated tempers and out-of-gas vehicles, local and state officials implored residents Saturday not to rush home in the aftermath of Hurricane Rita, which...

Lois: Chris, that's a terrible word. Pussywillow.

All Antidepressants Are Equally Effective

Posted: Tue, 20 Sep 2005 14:03:02 +0000

Source: All Antidepressants Are Equally EffectiveMany experts say antidepressants are equally effective, just pick your poison when it comes to side effects. More Vegetables Lowers Chance of Deadly CancerIf you eat lots of vegetables, you may avoid pancreatic cancer, researchers say. Men, Women May Both Be From MarsWhen it comes to psychology, men and women have more common [...]

Book #41: Michael Craig, The Professor, the Banker, and the Suicide King

Posted: 2005-07-30T08:23:08-07:00

Source: Michael Craig's book chronicles a series of high-stakes poker games played between Andy Beal, a Texas banker, and top poker pros between 2001 and 2004 in Las Vegas. Beal is far more than an amateur poker player, spending vast...

Nanowires for detecting molecular signs of cancer

Posted: Sat, 24 Sep 2005 20:00:00 GMT

Source: Harvard University researchers have found that molecular markers indicating the presence of cancer in the body are readily detected in blood scanned by special arrays of silicon nanowires -- even when these cancer markers constitute only one hundred-billionth of the protein present in a drop of blood... click link for more info.

Sosa Won't Play Again This Season

Posted: Sun Sep 25 00:00:00 EDT 2005

Source: The Orioles and Sammy Sosa have decided it is best that the outfielder not play again this season, perhaps ending his tenure in Baltimore.

The question is, why are politicians so eager to be president? What is it
about the job that makes it worth revealing, on national television, that
you have the ethical standards of a slime-coated piece of industrial waste?
-- Dave Barry, "On Presidential Politics"

Irish pub workers breathe easier after smoking ban

Posted: Sun, 18 Sep 2005 12:41:03 +0000

Source: Irish pub workers breathe easier after smoking banLONDON (Reuters) - Ireland’s nationwide ban on smoking in all workplaces has not only cleaned up the air in pubs and restaurants, it has also improved the health of the people who work there, researchers said on Sunday. Vioxx likely leads to heart [...]

Light smoking triples lung cancer and heart disease risk

Posted: Fri, 23 Sep 2005 00:00:00 GMT

Source: Smoking just one to four cigarettes a day almost triples a smoker's risk of heart disease and lung cancer, reveals a large study in Tobacco Control. The impact is stronger for women, the study shows, and quashes the cherished notion that "light" smokers escape the serious health problems faced by heavier smokers... click link for more info.

Coming Home to A Different Struggle

Posted: Sun Sep 18 00:00:00 EDT 2005

Source: NEW ORLEANS -- Eighteen months in Iraq taught Jemal Foster that optimism is a little like fool's gold. There were too many dead, too many wounded and too much daily stress to hope that the next day, even the next hour, would be a good one.

Implanted defibrillator problems rising–US FDA

Posted: Sat, 17 Sep 2005 12:38:03 +0000

Source: Implanted defibrillator problems rising–US FDAWASHINGTON (Reuters) - Implanted cardioverter defibrillators, or ICDs, and pacemakers were "directly responsible" for 61 deaths out of nearly 3 million implants between 1990 and 2002, according to a Food and Drug Administration report released on Friday. Vioxx likely leads to heart problems-expert witnessATLANTIC [...]

Photo Album: Croatia Images

Posted: Fri, 29 Jul 2005 17:07:27 GMT

Source:

Croatia Images

border="0">
Briuni
Briuni2
Ciovo
Korcula
Kornati
Krka River 2
Krka River
Nasice
Nasice2
NinMore Photos...

An updated personal history of computing

Posted: 2005-07-31T11:55:32-07:00

Source: Back in 2003 on my "previous" blog, I updated a long-standing essay I'd called "A Personal History of Personal Computing." That blog is long gone in the transition away from Radio Userland to Typepad, but I think it's time...

Public hospital patients often denied effective obesity treatment, Australia

Posted: Mon, 19 Sep 2005 17:00:00 GMT

Source: Public hospital patients are often denied access to one of the most effective forms of weight loss treatment Laparoscopic Adjustable Gastric Banding (LAGB) surgery, a Monash expert says. In an article published in the latest Medical Journal of Australia, the director of the Centre for Obesity Research and Education, Professor Paul O'Brien says LAGB is the most effective treatment for obesity, resulting in improved health and better quality of life for patients, including the reduction or eradication of hypertension, diabetes and asthma... click link for more info.

Devastated Residents See No Future

Posted: Sun Sep 18 00:00:00 EDT 2005

Source: CHALMETTE, La., Sept. 17 -- This small suburb wasn't exactly wiped off the map by Hurricane Katrina. But for many of the people who were allowed to visit their homes Saturday for the first time, it might as well have been.

There once was a man who went to a computer trade show. Each day as
he entered, the man told the guard at the door:
"I am a great thief, renowned for my feats of shoplifting. Be
forewarned, for this trade show shall not escape unplundered."
This speech disturbed the guard greatly, because there were millions
of dollars of computer equipment inside, so he watched the man carefully.
But the man merely wandered from booth to booth, humming quietly to himself.
When the man left, the guard took him aside and searched his clothes,
but nothing was to be found.
On the next day of the trade show, the man returned and chided the
guard saying: "I escaped with a vast booty yesterday, but today will be even
better." So the guard watched him ever more closely, but to no avail.
On the final day of the trade show, the guard could restrain his
curiosity no longer. "Sir Thief," he said, "I am so perplexed, I cannot live
in peace. Please enlighten me. What is it that you are stealing?"
The man smiled. "I am stealing ideas," he said.
-- Geoffrey James, "The Tao of Programming"

A Friendly Reminder For HIV Patients

Posted: Fri, 16 Sep 2005 23:59:02 +0000

Source: A Friendly Reminder For HIV PatientsIn a study from Johns Hopkins, a pocket-size device giving electronic-voice reminders to"take your medicine"proves to be a success for people living with HIV whose memory is slightly impaired by the virus. Compounds Found In Cruciferous Vegetables Block Lung Cancer ProgressionA family of compounds found in cruciferous vegetables, such as broccoli, [...]

Custom List: My Favorite Links

Posted: Tue, 09 Aug 2005 22:59:09 GMT

Source:

My Favorite Links

• <>

href="http://www.monitor.hr">Monitor: Croatian News

Hajduk: My Soccer Team

Green Button: MCE Discussions

Ricavision: MCE Provider

Brinkster: Web Hosting

ESA: Mars Images

Croatia: Croatia Wallpapers

My City: Nasice

Microsoft: Microsoft Site

Naked News: Naked News Site

CNN: CNN News

Belle De Jour: Best Site Ever

Turbo Squid: No Need For Actors

3D Game Studio: Wanna Make Games

Traffic for Los Angeles: LA Traffic

Images of Croatia: Croatia Photos

Croatian Soccer: Soccer Results

Best Big Screen Girl: Best Actress

City of Zadar: Best Croatian City

Toughest Croatian Guy: CroCop

Torcida: Hajduk Soccer Fans

Book #42: Jasper Fforde, The Big Over Easy

Posted: 2005-07-30T08:23:31-07:00

Source: Fforde's newly released book, "The Big Over Easy: A Nursery Crime", inhabits a world different than the Thursday Next novels, but carry over the author's ability to draw a comic "alternate England" to great effect. The new series follows...

Fatal blood clots due to venous thrombosis claim over 500,000 lives in the EU each year, VITAE Study shows

Posted: Mon, 19 Sep 2005 15:00:00 GMT

Source: The results of the VITAE study, announced at the 5th annual congress of the European Federation of Internal Medicine (EFIM) on September 3rd, reported that the annual burden of fatal and non-fatal symptomatic venous thromboembolism (VTE), which includes pulmonary embolism (PE) and deep vein thrombosis (DVT), exceeds 1... click link for more info.

Rotting Wood, Rampant Mold Threaten Homes

Posted: Sun Sep 18 00:00:00 EDT 2005

Source: New Orleans residents who return to their soggy homes and businesses this week are in for some rude lessons in physics and biology, experts say.

The human mind treats a new idea the way the body treats a strange
protein -- it rejects it.
-- P. Medawar

Iron absorption mystery ’solved’

Posted: Fri, 16 Sep 2005 13:27:02 +0000

Source: Iron absorption mystery ’solved’Identifying how the body absorbs iron from meat could lead to new treatments for anaemia, scientists say. Cancer: The factsThe disease tends to affect older people - but can strike at any time. Pregnancy timelineA week by week guide to pregnancy taking in how the baby develops, changes to the mother and key scan [...]

Custom List: My Web Presence

Posted: Thu, 04 Aug 2005 21:12:02 GMT

Source:

My Web Presence

• <>

href="http://www.cnn.com/SPECIALS/2002/wtc.ideas/designs/page.11/">CNN WTC Proposal: Look under plan #9

Book #41: Michael Craig, The Professor, the Banker, and the Suicide King

Posted: 2005-07-30T08:23:08-07:00

Source: Michael Craig's book chronicles a series of high-stakes poker games played between Andy Beal, a Texas banker, and top poker pros between 2001 and 2004 in Las Vegas. Beal is far more than an amateur poker player, spending vast...

Digital mammograms better at spotting breast cancer than standard film technology (women under 50)

Posted: Mon, 19 Sep 2005 15:00:00 GMT

Source: A study of about 50,000 American women found that digital mammograms are 15-28% better at spotting breast cancer in women under the age of 50 than standard film technology. Most under fifties have not yet experienced the menopause, their breasts are denser. The researchers said the two technologies were pretty similar when detecting cancers in older women... click link for more info.

NATION IN BRIEF

Posted: Sun Sep 18 00:00:00 EDT 2005

Source: JEFFERSON CITY, Mo. -- A federal judge on Friday blocked enforcement of a new state law further restricting abortions, saying it would have forced an end to the procedure in part of Missouri.

A mind is a wonderful thing to waste.

Y Chromosome May Not Be Doomed

Posted: Thu, 15 Sep 2005 23:04:02 +0000

Source: Y Chromosome May Not Be DoomedDespite studies showing that the Y chromosome has rapidly lost genes throughout evolution, a new comparison of the chimp and human genomes calls into question the male genetic structure’s imminent demise. ‘Swift Boating’ ScienceChris Mooney skillfully uncovers the Bush era’s institutionalization of spinning, distorting and ignoring science in The Republican War [...]

Music List: My music

Posted: Thu, 28 Jul 2005 20:02:22 GMT

Source:

My music

• Howie Day

: Collide

Aerosmith: Cryin'

Disturbed: Down With A Sickness

Trapt: Head Strong

Ray Charles: Here We Go Again

Queen: I Want To Break Free

Faithless: Insomnia

Maxi Priest: Just A Little Bit Longer

X-Press 2: Lazy

Esthero: O.G. Bitch

Alan Jackson: Remember When

The Killers: Somebody Told Me

About recent posts...

Posted: 2005-07-28T20:34:17-07:00

Source: My posts here have been more personal lately, and less substantive along the usual lines. That's been somewhat unavoidable, but it's temporary. In addition to getting the new laptop and spending time switching, I've been working on another longish...

RCGP presents Dungiven GP practice with award for quality care, UK

Posted: Mon, 19 Sep 2005 15:00:00 GMT

Source: The Royal College of General Practitioners (RCGP) is presenting a local GP practice with an award for outstanding general practice. Dungiven Health Centre will receive a Quality Practice Award (QPA) on Friday 16th September in recognition of achieving high standards of patient care. The practice is the 8th practice in N... click link for more info.

A Rare and Unusual Harvest

Posted: Sun Sep 18 00:00:00 EDT 2005

Source: MIRANDO CITY, Tex. -- In the heart of Rio Grande brush country, Salvador Johnson works a patch of land just east of the Mexican border that is sacred to Native Americans.

Television has proved that people will look at anything rather than each other.
-- Ann Landers

Scientists Decipher Chimp DNA

Posted: Thu, 15 Sep 2005 12:13:02 +0000

Source: Scientists Decipher Chimp DNAAn international team of researchers decodes the entire chimpanzee genome. It appears that apes and humans are even more similar than previously believed.Plus: Y Chromosome May Not Be Doomed Cure for Congressional ParalysisSteven Edwards potentially has a lot to gain from stem-cell research — maybe even the ability to move his arms and [...]

Custom List: My Company

Posted: Mon, 25 Jul 2005 15:32:30 GMT

Source:

My Company

• 10 Foot World, Inc.

: I run this company...

World's first face transplant to take place at the Cleveland Ohio Clinic, USA

Posted: Mon, 19 Sep 2005 14:00:00 GMT

Source: The world's first face transplant is going to take place at the Clevelant Ohio Clinic. Twelve severely disfigured people have been selected for this pioneering procedure. Maria Siemionow, lead surgeon, will choose who will be the first out of those 12. Maria Siemionow has been researching into the feasibility of face transplants for several years... click link for more info.

Coming Home to A Different Struggle

Posted: Sun Sep 18 00:00:00 EDT 2005

Source: NEW ORLEANS -- Eighteen months in Iraq taught Jemal Foster that optimism is a little like fool's gold. There were too many dead, too many wounded and too much daily stress to hope that the next day, even the next hour, would be a good one.

More on the Mac...

Posted: 2005-07-28T20:12:27-07:00

Source: I've completely switched, at this point, to using the Powerbook as my primary machine for both home and work. Didn't really plan it that way, but who needs to lug two machines around? There are still some things I...

Man Convicted in Slaying of 6 Hunters

Posted: Sat Sep 17 00:00:00 EDT 2005

Source: HAYWARD, Wis., Sept. 16 -- A jury on Friday convicted an immigrant truck driver of first-degree murder in the shooting deaths of six deer hunters during a confrontation over trespassing, rejecting his contention that he fired in self-defense after one hunter used racial slurs and another shot at...

Fwd: Contact Me ASAP

--- daniel obosi <danobosi@danobosi1world.com> wrote:

> From: "daniel obosi" <danobosi@danobosi1world.com> > To: danobosi@danobosi1world.com > Subject: Contact Me ASAP > Date: Tue, 02 Aug 2005 09:25:13 +0000 > > FROM:DANIEL OBOSI. > CHIEF AUDITOR MINISTRIE OF FINANCE ECONOMICS > COTONOU-BENIN REPUBLIC. > Dear Good Friend,Contact Me ASAP > Forgive my indignation if this message comes to you > as a surprise and if > it might offend you without your prior consent and > writing through this > channel. > I DR DANIEL OBOSI CHIEF AUDITOR MINISTRIE OF FINANCE > ECONOMICS > COTONOU-BENIN REPUBLIC.I got your information when I > was searching for a > reliable,honest and trustworthy person to entrust > this business with.I was > simply inspired and motivated to pick your contact > from the many names and > lists in the web site.I wish to transfer the sum of > $14,300,000.00 USD > (Fourteen Million Three Hundred Thousand United > States Dollars only.)into > your personal or company`s bank account. > This fund was a residue of the over invoiced > Industrial Contract bills > awarded by MINISTRIE OF FINANCE ECONOMICS > COTONOU-BENIN REPUBLIC to some > foreign firms.This DEAL was deliberately hatched out > and carefully > protected with all the attendant lope holes sealed > off.As the chief > auditor,I have the cooperation and mandate of the > Financial Director and > the Secretary. It was my consensus to seek the > assistance of a willing > foreigner to provide us with the facilities to > transfer this money out of > West Africa.This is borne out of our beleive in the > non-stable and sporous > political nature of this sub-region. > The original contractors have been duely paid by the > Banque Centrale Des > Etats De L`Afrique De L`Ouest (Central Bank of the > West African > States)This balanceis suspended in the escrow > accounts awaiting claims by > any foreign company of our choice.I intend to pay > out this fund now as the > organisation is winding up its activities. Based on > the laws and ethics of > employment,we as civil servants working under this > organisation, are not > allowed to operate a foreign account.This is the > more reason why we needed > your assistance to provide an account that can > sustain this fund for safe > keeping and our future investment with your > comprehensive > advise,assistance and partnership in your country. > I have however agreed,as the account owner in this > deal to allow you 40% > of the entire sum as compensation,why 55% will be > held on trust for me > while 5% will be used to defray any incidental > charges and cost if > any,during the course of the transactions. This > transaction will be > successfully concluded within 5-7 days if you accord > us your unalloyed and > due cooperation. > Upon the receipt of this informations,the > certificate of job completion of > one of the contracts will be issued in your for the > transfering of the > fund to your nominated account without delay.As with > the case of all > organised (sensitive)and conspired DEALS,we solicit > for our unreserved > confidentiality and utmost secret in this business. > We hope to retire > peacefully and lead a honourable business life > afterwards. There are no > risks involved. > PLEASE REPLY TO MY SECURED EMAIL WHICH IS > danobosi00@yahoo.com > REPLY ASAP. > With regards. > > >

__________________________________________________ Do You Yahoo!? Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com

Fwd: Treat as urgent pls

--- jack2001@o2.pl wrote:

> From: jack2001@o2.pl > To: bobjackson@o2.pl > Subject: Treat as urgent pls > Date: Mon, 8 Aug 2005 14:57:08 +0200 > > From: Bob Jackson > Egyptian American Bank > > Dear Sir, > > I apologize for any inconvenience this letter might > cause you, > considering the fact that you do not know me in > person. > > I am Bob Jackson, Deputy General Manager, (foreign > operations) with > Egyptian American Bank Cairo. > > A client of ours, who bears the same surname with > you and he is also > from your country dead in Egyptian airplane crash in > 1999. > (http://www.airsafe.com/flt990.htm) He left some > amount of money in his > account. The Bank has been making frantic efforts to > locate any of his relatives for the claim of the > fund. > > Indecently we found your name through your countries > Embassy here and > decided to find out if you are related him, if yes > kindly forward to us your phone and fax numbers, to > enable us send the full details to you,if not also > acknowledge the receipt of this mail via this Email > address: bobjackson@zwallet.com > > Yours Faithfully, > Bob Jackson > > > >

____________________________________________________ Start your day with Yahoo! - make it your home page http://www.yahoo.com/r/hs

When Geography Influences Treatment Options

Posted: Sun Jul 24 00:00:00 EDT 2005

Source: FORT MYERS, Fla. -- In the past decade, the rate of back surgery among Medicare patients has increased by more than half, driven by factors including new technology to fuse damaged vertebrae, more advanced imaging to diagnose injury, generous federal reimbursements and greater demand.

The reason ESP, for example, is not considered a viable topic in contemoprary
psychology is simply that its investigation has not proven fruitful...After
more than 70 years of study, there still does not exist one example of an ESP
phenomenon that is replicable under controlled conditions. This simple but
basic scientific criterion has not been met despite dozens of studies conducted
over many decades...It is for this reason alone that the topic is now of little
interest to psychology...In short, there is no demonstrated phenomenon that
needs explanation.
-- Keith E. Stanovich, "How to Think Straight About Psychology", pp. 160-161

Pineapple may combat cancer

Posted: Tue, 26 Jul 2005 12:45:15 +0000

Source: Pineapple may combat cancerTwo molecules isolated from pineapple stems have shown promise in fighting cancer growth. Pregnancy timelineA week by week guide to pregnancy taking in how the baby develops, changes to the mother and key scan dates. Gut hormone jab aids weight lossHormone injections that tell the brain the stomach is full help overweight people lose [...]

Faith in the Future as the Core of Progressivism

Posted: 2005-07-13T21:48:15-07:00

Source: On Progressive Commons in early June, Ken Rufo posted a simple survey poll, asking what our readers believed to be core progressive values. Ken's poll and subsequent discussions suggest that progressives today lack a consensus on what modern progressivism really...

Early Deals Set the Stage for Today's Problems

Posted: Sun Jul 24 00:00:00 EDT 2005

Source: In many ways, Medicare is one of the federal government's enduring successes. Without it, many of the 42 million elderly and disabled Americans it insures would have no health coverage.

Once upon a time there was a kingdom ruled by a great bear. The peasants
were not very rich, and one of the few ways to become at all wealthy was
to become a Royal Knight. This required an interview with the bear. If
the bear liked you, you were knighted on the spot. If not, the bear would
just as likely remove your head with one swat of a paw. However, the family
of these unfortunate would-be knights was compensated with a beautiful
sheepdog from the royal kennels, which was itself a fairly valuable
possession. And the moral of the story is:

The mourning after a terrible knight, nothing beats the dog of the bear that
hit you.

Acupuncture Eases Side Effects of AIDS Drugs

Posted: Fri, 29 Jul 2005 12:58:04 +0000

Source: Acupuncture Eases Side Effects of AIDS DrugsAcupuncture may help relieve bloating, cramping, and appetite loss among HIV-infected people taking potent drug cocktails to keep the virus in check Chip Implants: Better Care or Privacy Scare?Experts explore the privacy implications of implanted RFID chips that carry coded medical information.

new york insurance website Do Insurance Premiums...

Posted: 2005-07-25T02:08:21Z

Source:

<>

/>

 

 

 

HOME PAGE

www.insuranceinfoweb.com

Article Index Page

http://www.insuranceinfoweb.com/insurancenewyork/ new york insurance website

Do Insurance Premiums Increase Every Year?
Author: Jon Register

Many people ask, "If I am supposed to get a renewal discount, why do my premiums seem to increase with each renewal?" The answer is not always so simple. Each year, new vehicles cost more then they did the previous year. It will probably cost more to fix a damaged vehicle than it did last year, or five years ago when you first bought your current policy. However, in many cases, your renewal premium will be less. Some factors that contribute to decreases in your premiums are straightforward.

According to the Insurance Information Institute (I.I.I.), the cost of auto insurance is expected to rise only 3.5% in 2004, the smallest increase over the last four years. Why? The number of auto accidents is on the decline due to better drivers and safer cars as well as crackdowns on fraud and abuse. However, due to the rising costs for medical care, vehicle repairs and skyrocketing jury awards the potential of price increases remain a problem. Rising automobile theft rates and fraud will keep costs higher for motorists in some states, such as Florida, Massachusetts, and New York.

The projected increase represents a substantial slowdown from 2003 when auto insurance costs rose by 7.8 percent, the I.I.I. observed. The average cost for auto insurance nationwide for 2004 is estimated at $871, an increase of $29 per vehicle from last year.

Unfortunately, even though drivers are filing fewer claims these days, the claims that are filed are costing the insurance companies more than they used to. It is costing more to repair cars as the amount of damage sustained in crashes is up from what it was a few years ago. Some in the industry feel this is due to accidents involving sport utility vehicles.

The cost of medical coverage is also increasing. This year insurers could pay as much as $20 billion in medical claims. Higher costs for hospitalization, medical care, medication and associated legal costs are also to blame.

What can you expect to pay for insurance? In many cases, your renewal discount will offset a rate increase from your company. It can become hard to keep track of increases if you make many changes to your policy. When you move to a new residence or get a newer vehicle as these factors affect the rate you pay. Your driving record is also one of the factors the insurance company uses in determining your rate. Go to http://www.carinsurance.com. Not only will you get the rates of various insurance companies, you will see the A.M. Best rating for each company along side their rates for you personal situation.

Now is the time for your fingers to punch their way to a quick rate analysis and view the ratings at the same time.

Visit http://www.carinsurance.com to Check Out the Lowest Premiums Available!

Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.

CarInsurance.com's online insurance marketplace gives an opportunity to consumers and to insurance companies. We offer the ability to shop for car insurance online.

Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!

...

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The need for Life Insurance
A person needs to reexamine their life insurance needs every few years because as our life events change so do our needs When starting a family a person needs to consider starting a life insurance policy In the event that death occurs to one of the parents there needs to be some insurance that money will be there to help raise and support the rest of the family When buying a home life insurance needs to be considered or reexamined as well If a spouse should die it is important to know that the other spouse could pay the mortgage and bills Getting a new job is another life event that requires some thought about life insurance Most companies that provide health insurance offer a life insurance policy to their employees as well It is a great place to start th

Online Health Insurance Quotes Finding The Cheapest Rates Possible
Shopping for health insurance can be very discouraging when you become aware of the costs If you are in search of affordable health insurance an online quote may be very helpful to you Purchasing insurance online or simply getting an online quote from one or more health insurance carriers can save you a lot of money on the health insurance you so desperately need Hospital and doctor bills can be too costly for most people too afford without a health insurance plan Uninsured or under insured medical bills can spell disaster A health insurance plan is imperative to your health and your financial security Online health insurance quotes are available now and you may find more affordable rates than you expected You can find the cheapest rates possible for your health insurance

Life Insurance Beneficiaries
Naming a beneficiary for your life insurance policy can be a difficult decision to make not to mention a tricky procedure A person needs to research the different types of beneficiaries and the different ways to go In naming a life insurance beneficiary a person should always specifically name and individual or organization and state the proceeds go to the beneficiary Multiple beneficiaries may also be another option to your life insurance policy There is no limit to the number of beneficiaries on a life insurance policy But again they need to be specifically named and the proceeds that they are to receive are to be indicated on the policy A contingent beneficiary is the person to whom a person bequeaths their assets to in the event that their primary benefi

Cheap Health Insurance Rates and Personal Health Insurance
If youve been out of school for a couple of years or perhaps just graduated from college youre probably a candidate for cheap health insurance Once a person reaches a certain age theyre no longer covered by their parents health insurance plan If youre just starting out its important to find cheap health insurance coverage If youve just graduated from school or just started work and you dont have coverage dont be tempted to forgo this necessary expense because you never know when an accident can happen Most people are looking for modest coverage but also want some essentials Generally when a person buys their own coverage they tend to favor high deductibles to save money on the cost of premiums Personal health insurance Cheap Health Insurance and low cost h

What is Home Insurance
Home Insurance is designed to provide you with financial protection against any damage and possible risks that your property and possessions within it may face against unforeseen events and circumstances Home insurance is commonly taken to describe both buildings insurance which insures the fabric of your property and contents insurance which covers your belongings Basically it is a contract you make with an insurance company You have to pay a premium and in return the insurance company will pay for financial losses that are related to your property or your home during the period of the contract Home insurance also known as Household insurance or Buildings and Contents insurance provides protection against loss or damage of your property Protecting this in


Insurance Necessary For Peace of Mind
There are many various types of insurance Insurance is a policy where you invest a certain amount that you do not get back that will pay you in the event of a predetermined event The specifics vary greatly according to the kind of insurance Health insurance is designed to help you with your medical care You will typically pay in a certain amount every month called premiums and you may have to pay a certain percentage on your doctors visits or prescriptions but the insurance is designed to help you with the costs It will also help you in emergencies such as an accident a broken bone or a sudden illness Insurance is there to help you if you are having a baby or another time where you need regular care Car insurance is intended for ac

Homeowners Insurance at a Glance
At first glance homeowners insurance may seem perplexing and quite overpowering Understanding your policy is crucial to know what you are actually purchasing and also an extremely important part of owning a home A homeowners insurance policy provides financial security against disasters as well as insures the home and the possessions kept within A basic homeowners insurance plan consists of four major types of coverage These include Home structure coverage for personal belongings liability protection and living expenses in the event you cannot reside in your home as a result of an insured disaster Earthquakes and floods are not covered by standard insurance plans To insure your home against these natural disasters you will need to purchase a separate insurance

What is Home Insurance
Home Insurance is designed to provide you with financial protection against any damage and possible risks that your property and possessions within it may face against unforeseen events and circumstances Home insurance is commonly taken to describe both buildings insurance which insures the fabric of your property and contents insurance which covers your belongings Basically it is a contract you make with an insurance company You have to pay a premium and in return the insurance company will pay for financial losses that are related to your property or your home during the period of the contract Home insurance also known as Household insurance or Buildings and Contents insurance provides protection against loss or damage of your property Protecting this in

Choosing Affordable Health Insurance For Children
In most cases private health insurance comes through a persons employer who picks up the majority of the cost of premiums However today many people who are either selfemployed or who work for a company that doesnt offer health insurance find it necessary to obtain quality affordable health insurance for children There are a wide range of plans and offerings of affordable health insurance for children and its necessary to pick and choose from among the many plans available For example if you feel your family may need alternative health options such as massage therapy or acupuncture youll want to make sure your plan covers these choices Affordable Health Insurance For Children and families Another consideration is the cost Generally the higher your pre

Affordable Health Insurance Health Insurance For The Self Employed
One of the things that is important to consider when you leave corporate America for the freedom of your own business is affordable health insurance In fact the reason most often cited for NOT taking the plunge into selfemployment is the lack of cheap health insurance alternatives for people who are not employed by a company that can offer more affordable rates on health insurance through a group health insurance plan If you do decide to brave it and be your own boss there are many places where you can cut corners Letting yourself or your family go without health insurance isnt one of them Here are some common options that can make health insurance affordable if youre a selfemployed entrepreneur or crafter Coverage under a Spouses Plan By far the most commo