Friday, September 30, 2011

SEC proposes changes in market halts (AP)

WASHINGTON ? Federal regulators are considering changing the rules for when a dramatic shift in the stock market's value triggers exchanges to cut off trading.

The Securities and Exchange Commission put proposed changes in so-called circuit breakers out for public comment Tuesday. Those are measures that automatically halt trading if the market falls by certain percentages. The SEC wants smaller market declines to trigger halts, but it also wants to shorten the stoppages.

The "flash crash" of May 2010 didn't trigger the circuit breakers, which have activated only once since they were established in 1988.

Circuit breakers are intended to force traders to take a breather and refocus on economic and corporate news instead of an alarming market nosedive. They can't prevent people from losing money; they're aimed at keeping the market from succumbing to huge, snowballing, panic-driven sell-offs in a single day.

They now stop trading if the Dow Jones industrial average tumbles 10 percent, 20 percent or 30 percent. The new triggers would be drops of 7 percent, 13 percent or 20 percent in the Standard & Poor's 500-stock index.

The halts would be shortened to 15 minutes from the current 30 minutes, hour or two hours.

The New York Stock Exchange, the Nasdaq Stock Market Inc. and the other U.S. exchanges asked for the changes, and the SEC put them out for a 21-day formal comment period and could approve them after it ends.

The current rules were established by the NYSE in 1988 in response to a stock market plunge in October 1987, and the one time they were tripped was in 1997, when an economic crisis in Asia set off a wave of heavy selling.

Along with other measures put in place in response to the May 6, 2010, "flash crash," the proposed changes are "designed to reduce extraordinary volatility in our markets," SEC Chairman Mary Schapiro said in a statement.

The other changes include new rules spelling out when and, at what prices, erroneous stock trades should be canceled. Nearly 21,000 trades were canceled in the days following the 2010 plunge because exchanges deemed them erroneous, and many retail investors were affected.

Regulators have determined that event resulted from when an investment and trading firm executing a computerized selling program in an already stressed market. One trade by the firm worth $4.1 billion touched off a chain of events that ended with investors swiftly pulling their money from the stock market.

The SEC also has proposed establishing so-called "limit up-limit down" rules for individual stocks that would bar any trades outside specified price boundaries. Those restrictions limit how much a stock's price can rise or fall in a given day.

Source: http://us.rd.yahoo.com/dailynews/rss/stocks/*http%3A//news.yahoo.com/s/ap/20110927/ap_on_bi_ge/us_sec_trading_curbs

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Thursday, September 29, 2011

Bake sale's racial pricing rocks UC Berkeley campus (Reuters)

SAN FRANCISCO (Reuters) ? Student Republicans at the University of California at Berkeley have stirred up the famously left-wing campus with plans for a sale of baked goods priced according to the race and gender of buyers.

A Facebook promotion of the event, set for Tuesday, has drawn cries of racism and misogyny on the social networking site, and student body president Vishalli Loomba called what the Berkeley College Republicans were doing offensive.

The school's chancellor, Robert Birgeneau, weighed in on Monday night with an open letter condemning the planned bake sale as contrary to campus "Principles of Community" that call for debate to be conducted in a respectful manner.

Organizers say their "Increase Diversity Bake Sale" is meant as satiric political commentary on newly passed legislation that would allow California's public universities to once again consider the race, gender, ethnicity and national origin of admissions applicants.

The sale is slated to take place between 10 a.m. and 2 p.m. near the location of a campus phone bank set up by supporters of the bill, SB 185, to lobby for Governor Jerry Brown to sign the measure into law.

The original Facebook post for the event said pastries sold at the event would be priced at $2 each for white customers, $1.50 for buyers of Asian descent, $1 for Latinos, 75 cents for black customers and 25 cents for Native Americans. All women would get a 25 cent discount.

The post said the pricing structure was designed to "ensure the equitable distribution of BAKED GOODS to our DIVERSE! student body."

Loomba said Berkeley "students are talking about this everywhere I go."

"They've been able to get a lot of publicity, but at what cost? They are creating an environment of divisiveness," she told Reuters. "You can't justify doing something this offensive and making students of this school feel uncomfortable."

BALLOT MEASURE

While enactment of SB 185 does not require university admissions officers to give preferential treatment to applicants on the basis of race or gender, it would allow them to consider such factors.

A statewide ballot measure approved by California voters in 1996 banned the use of race and gender preferences in state university admissions, hiring and contracting. The California Supreme Court upheld its constitutionality last August.

SB 185 was presented to Brown on September 9 and becomes law in 30 days even without his signature, unless he vetoes it.

Berkeley's student government passed a resolution in support of SB 185 last week, and organized the telephone lobbying effort on its behalf, prompting the Berkeley College Republicans to plan their bake sale.

On Sunday, the student government unanimously passed a resolution decrying the College Republicans' move.

In his letter Monday night, the chancellor said the issue was not the group's opinions, but how they were expressed.

"The issue is not whether one thinks an action is satirical or inoffensive, the issue is whether community members will be intentionally -- or unintentionally -- hurt or demeaned by that action," Birgeneau wrote, adding, "intelligent debate is based on mutual respect."

Leaders of the student Republicans were not immediately available for comment. But the group's president, Shawn Lewis, said in a statement posted on its website that "physical threats" were made against organizers of the bake sale, including suggestions that cupcakes would be purchased and then hurled back in protest.

"Threatening and political intimidation should not be part of the (campus) community," Lewis said. "What I have seen and heard in response to the Berkeley College Republicans' 'Increase Diversity Bake Sale' has been far from healthy disagreement or challenging of ideas."

In addition to the phone bank, a free giveaway of baked goods, called Conscious Cupcakes, was planned as a riposte to the College Republicans' sale. Conscious Cupcakes' Facebook page indicated "641 attending."

(Additional reporting by Greg Lucas in Sacramento, Editing by Steve Gorman and Cynthia Johnston)

Source: http://us.rd.yahoo.com/dailynews/rss/us/*http%3A//news.yahoo.com/s/nm/20110927/us_nm/us_bakesale_berkeley

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'Organized retail crime' is $30-billion business nationwide | Texas ...

By KRISTIN VOLK and DANIELLE COHEN

Scripps Howard News Service

Posted September 26, 2011

If you're shopping in a store and have your eye on an iPad 2, a new Slap Watch or any other accoutrement, chances are thieves do, too.

"Organized retail crime," as police call it, has become big business. Last year, theft rings stole an estimated $30 billion worth of retail merchandise that wound up getting sold out of car trunks, online and even to distributors who relay the merchandise back to store shelves.

Shoppers end up bearing the financial brunt, because "it comes back to consumers in the form of higher prices," said Joseph LaRocca, the National Retail Federation's senior adviser of asset protection. Households fork over nearly $400 a year to offset retailers' losses, he said.

The thieves steal what they can sell quickly, targeting popular items such as smartphones and designer bags. But no product is beyond the scope of organized theft rings, law enforcement officials said.

Read the entire article HERE.

Source: http://www.tdcaa.com/issues/organized-retail-crime-30-billion-business-nationwide

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Festive Fall Staging to Sell or Dwell Idea: Pumpkin Topiaries

Whether you?re selling a home or dwelling in one, porch appeal is always a plus! So I decided to punch up my own?last?weekend. The weather was great and pumpkins were at Walmart for $3.88 each. But not only because I found cheap pumpkins? It?s my favorite time of year too. I also relish the idea of having passersby enjoy the view of my home on their morning or evening walks. I love looking at my neighbor?s homes as well and what they do and I hope to invigorate and inspire them too.?The same sentiment should be?said about prospective home buyers too.

Pumpking topiary container garden

Pumpkin topiary

Here are the simple steps to create your own pumpkin topiaries too. Here?s what you?ll need:

  1. 1 or 2 - Pots or urns to place them in (use what you have or purchase new)The ones in the photo were purchased after season this summer at Garden Ridge for 1/2 price. These were $30 each. I had other pots that had broken but I actually used them inside these pots as a foundation for ?lifting? the pumpkins up without having to fill the new pots with anything.
  2. 1 or 2 ? Large Pumpkins for the base (Walmart $3.88). I measured the opening of the pot & needed 11? in width for the pumpkins to work.
  3. 1 or 2 ? Small Pumpkins for the top (Walmart .79 cents a pound, these were ?baking? pumpkins on top. I like the stems they had?)
  4. 1. 5 or 3 ? 6? Fall garlands * Optional (I found mine at Garden Ridge for $8 each & can be re used year after year)
  5. 1 or 2 Fall Wreaths (Measure the opening of your pot to make sure it won?t fall through but will sit on the edge/lip of the container. These wreaths were found at Walmart for $10 each. I liked them because they had a fan of willow stems as the base and added a layer of texture and dimension to the base)

My total cost (without taking into account the price of the previously purchased pot) was $28 for each container which I anticipate will last through Thanksgiving.

How to create the Pumpkin Topiary:

  1. If your pot is empty you may want to fill/pack with newspaper or something else to secure the base of the pumpkin once in place. I actually put a broken pot inside my new pot (I layered some newspaper under the broken base of the inserted pot) to shore up the foundation and provide some ?lift?.
  2. Place one wreath at the opening of your pot. (I had to pull away/move gently the leaves and the faux gourds on this wreath so the large pumpkin once placed on it wouldn?t be hindered [unstable] by them)

  3. Place your large pumpkin UPSIDE DOWN on the wreath. (this creates a flat base for the next pumpkin to rest on)
  4. Wrap one garland (optional*) around the pumpkin on the wreath if needed. I did this to actually cover the lip of the old pot that was sticking up a little from the top of the new pot. But you may not need it!
  5. Place your small pumpkin, RIGHT SIDE UP on the larger upside down pumpkin
  6. Cut one garland in 1/2 (you may need wire cutters)
  7. Wrap 1/2 of garland around the smaller pumpkin on top. You may have to tie it off or use a tie wrap to keep it from coming loose. I simply tied it and lifted the small pumpkin and placed a leaf from the garland under it to secure it once the pumpkin was back in place. They are simply resting on each other, no other tools were needed to prop them up.
Pumpkin topiaries

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Home Star Staging LogoExceptional Home Staging services for Dallas, Richardson, Plano, Allen, McKinney, Frisco, Carrollton,TX and surrounding cities.

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Source: http://activerain.com/blogsview/2528767/festive-fall-staging-to-sell-or-dwell-idea-pumpkin-topiaries-

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Wednesday, September 28, 2011

Report: EPA cut corners on climate finding

(AP) ? The Obama administration cut corners before concluding that climate-change pollution can endanger human health, a key finding underpinning costly new regulations, an internal government watchdog said Wednesday.

Regulators and the White House disagreed with the finding, and the report itself did not question the science behind the administration's conclusions. Still, the decision by the Environmental Protection Agency's inspector general is sure to encourage global warming doubters in Congress and elsewhere.

The report said EPA should have followed a more extensive review process for a technical paper supporting its determination that greenhouse gases pose dangers to human health and welfare, a finding that ultimately compelled it to issue controversial and expensive regulations to control greenhouse gases for the first time.

"While it may be debatable what impact, if any, this had on EPA's finding, it is clear that EPA did not follow all the required steps," said Inspector Arthur A. Elkins, Jr. in a statement Wednesday.

The EPA and White House said the greenhouse gas document did not require more independent scrutiny because the scientific evidence it was based on already had been thoroughly reviewed. The agency did have the document vetted by 12 experts, although one of those worked for EPA.

"The report importantly does not question or even address the science used or the conclusions reached," the EPA said in a statement. The environmental agency said its work "followed all appropriate guidance," a conclusion supported by the White House budget official who wrote the peer review guidelines in 2005.

EPA Administrator Lisa Jackson has said repeatedly that her conclusions were based on the underlying science, not the agency's summary of it.

The greenhouse gas decision ? which marked a reversal from the Bush administration ? was announced in December 2009, a week before President Barack Obama headed to international negotiations in Denmark on a new treaty to curb global warming. At the time, progress was stalled in Congress on a new law to reduce emissions in the United States.

In 2010, a survey of more than 1,000 of the world's most cited and published climate scientists found that 97 percent believe climate change is very likely caused by the burning of fossil fuels.

But by highlighting what it calls "procedural deviations," the report provides ammunition to Republicans and industry lawyers fighting the Obama administration over its decision to use the 40-year-old Clean Air Act to fight global warming. While the Supreme Court said in 2007 that the act could be used to control greenhouse gases, the Republican-controlled House has passed legislation that would change that. The bill has so far been stymied by the Democratic-controlled Senate.

Sen. James Inhofe, the Oklahoma Republican who requested the investigation and one of Congress' most vocal climate skeptics, said Wednesday the report confirmed that "the very foundation of President Obama's job-destroying agenda was rushed, biased and flawed."

Wyoming Sen. John Barrasso, another critic of EPA regulations, said the agency sacrificed scientific protocol for "political expediency."

Environmentalists, meanwhile, said the inspector general was nitpicking at the public's expense. The investigation cost nearly $300,000.

"The process matters, but the science matters more," said Francesca Grifo, a senior scientist with the Union of Concerned Scientists. "Nothing in this report questions the agency's ability to move forward with global warming emissions rules."

A prominent environmental attorney and Columbia University law professor questioned what effect, if any, the report would have on global warming policy.

Michael Gerrard said that while lawyers and politicians would try to use the report to fight EPA regulations, the scientific case for global warming has only gotten stronger.

The report itself found that EPA "generally" adhered to data quality requirements. But it said while the agency's document was based on well-established and peer-reviewed science, it required additional independent scrutiny because the EPA weighed the strength of that science. The inspector general pointed out that the EPA did not publicly report the results of the review and that one of the dozen experts who reviewed the document worked at the agency.

EPA officials said that information was included, but not in the format the inspector general wanted.

The Obama administration has emphasized the importance of peer review.

Six weeks after taking office in 2009, Obama issued a memo that said: "When scientific or technological information is considered in policy decisions, the information should be subject to well-established scientific processes, including peer review where appropriate, and each agency should appropriately and accurately reflect that information in complying with and applying relevant statutory standards."

A year later, the president's science adviser, John Holdren, emphasized the "particular importance" of outside review by scientists.

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Associated Press Science Writer Seth Borenstein contributed to this story.

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Follow Dina Cappiello on Twitter (at)dinacappiello

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Online:

EPA inspector general's report: http://www.epa.gov/oig/

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/b2f0ca3a594644ee9e50a8ec4ce2d6de/Article_2011-09-28-EPA-Global%20Warming/id-1c2613f39e194d9b90e852273f6f3f3a

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The difference between us and them - FAS Windows and Doors

Tuesday, September 27, 2011

If you are shopping for windows,?doors or coating, you know there are many companies out there in the Central Florida area. There is a lot of competition here and everyone wants to get your business. When you start getting quotes from companies, it is important to look at that company?s history and reputation. There are parts of the home improvement that are sometimes occupied with shady companies looking to make a quick buck. Thankfully not everyone is going to drop their standards to make sales. We here at FAS?Windows and?Doors are proud of the reputation we have built in Central Florida as a quality home improvement company. We make sure to go through all the steps necessary in order to be a reputable window and door dealer.

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It is important to know that before the installation process FAS?Windows and?Doors always pulls the required permits?from the Department of Community Affairs. This isn?t just done to be ?official?, it?s the law, yet somehow there are companies that will install without this integral step in the process. These?permits are needed because there are strict requirements and guidelines on how windows and doors are to be installed. The?permits also guarantee that the installation will be inspected by the county and that the products are up to the rigorous Florida Building Codes. This protects you from having an inferior product being installed in your home. There are companies out there that will install anything if it will get them a sale. FAS Windows and?doors absolutely refuse to install ANYTHING that does not meet or exceed regulations for an area.

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FAS?Windows and?Doors is also proudly accredited by the Better Business Bureau, which is not something every window and door company can say they are part of. Companies that are not trustworthy or do not regularly fulfill their promises have no chance of being a member of the BBB. Make sure you check our profiles for?Central Florida and West Florida.

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Also make sure that any company you are considering for your home improvement job will put, in writing, a lien waiver from the installation crew. FAS?Windows and?Doors does not allow, for any reason, an installer to lien a home. When many small home improvement business are going under these days it is not uncommon to see this being skipped. What this means if that if a company does not pay the installer for their work, the installer can then put a lien on the home where he or she performed the service. When you choose FAS?Windows and?Doors the crew chief will sign the back of the contract prior to any service being performed waiving the right to lien your property. Your contract is with FAS only, no outside parties.

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Also demand to see the certificate of liability insurance before you let anyone work on your home. FAS?Windows and?Doors carries a minimum of $1,000,000 insurance policy on Workers Compensation. Installation of windows and door has a risk of someone getting hurt on the job. Why would you ever hire a company willing to take that chance? This isn?t the only insurance we carry, we also have general liability. We make sure that as our customer, you are protected.

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We believe that for these reasons, you will strongly consider FAS?Windows &?Doors in your search for windows,?doors and coating. We hope that our reputation and history prove our validity as a top?window and?door distributor here in Central Florida. If you are ready for an estimate please call us at 888-422-1690.

Items in bold indicate required information.


From Our Customers


Lynn G. (Winter Park, FL), 04/30/2009

Source: http://www.faswd.com/blog/posts/the-difference-between-us-and-them.html

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Inadequate birth control pills recalled | Healthy Living

Birth control or contraceptive pills? are a set of pills, which are taken by a women in a sequential way for birth control, a combination of an?estrogen?and a?progestin. When taken by mouth every day, these pills inhibit female fertility. Contraceptive pills prevent?ovulation?by suppressing the release of?gonadotropins and by inhibiting?follicular development. Qualitest Pharmaceuticals recalled birth control pills due to packaging error.

Availability and use

Most brands of pills are packaged in one of two different packet sizes, with days marked off for a 28 day cycle. These ?pills should be taken at the same time each day. If one or more tablets are forgotten for more than 12 hours, contraceptive protection will be reduced.

Recalling the lots

Qualitest Pharmaceuticals, a division of Endo Pharmaceuticals,? found a packaging error in some packs, in which the?birth control?pills were rotated 180 degrees within the card, which reversed the weekly tablet distribution. They are recalling these lots as this could cause women to take pills in the incorrect order, which may leave women without adequate?contraception?and at risk for unintended?pregnancy.

The company is currently investigating the source of the packaging error.

Recalled Products

The recall affects two Clyclafem products and two Glidess products, as well as Emoquette, Orsythia,?

onclick="javascript:_gaq.push(['_trackEvent','outbound-article','http://www.webmd.com']);">Previfem

, and Tri-Previfem oral?contraceptives. A?complete list of products?and affected lot numbers are posted at the Endo Pharmaceuticals web site.

It was clarified by the company that the women affected by the recall should use a non-hormonal form of birth control immediately and consult their health care provider or pharmacist.

Pharmacies that sold the lots of such birth control pills are also being instructed to contact their customers who received the affected products.

via

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Related posts:

  1. EllaOne ? Contraceptive pill gets FDA approval
  2. J&J ? Additional OTC drugs recall
  3. Campbell soup recalls 3 varieties of spaghettiOs pasta
  4. Ella emergency contraceptive pill gets FDA approval
  5. Know if your Lipitor from Pfizer is on recall list due to musty odor?

Source: http://www.knowabouthealth.com/8368defective-contraceptive-pills-called-back/8368/?utm_source=rss&utm_medium=rss&utm_campaign=8368defective-contraceptive-pills-called-back

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Make Your Garage Attractive ? Brite Vue Articles Directory

The garage, which traditionally has been one of the most unfinished and disorganized space, is now treated as the hot space of today. People?s desire to have a multi usage room that will also be beautiful enough to serve as the cause of their neighbor?s envy gave rise to this trend about 20 years ago. That same mentality is driving the trend toward outfitting the garage for tool and equipment storage, sports gear, home projects, and hobbies.

The garage tops the list of the current hot spots and the people are willing to spend any amount of money to make it look the best according to the president of the wall storage system manufacturer. The garage must be flexible as the extra car bays quite often serve as workshops and storage areas. These days, home owners want that their garages to be as functional and as organized as their kitchens.

The purchasers of the higher scale wouldn?t compromise with respect to their garage requirements. Better utilization of space is preferred by him. Remodeling builders have now started using organizational furniture and different accessories of storage purposes to style the area by making complete utilization of the given area and turn it into a multi-purpose space for the homeowner.

in the recent years, some manufactures have started offering modular organization systems that have been specifically designed to withstand the fluctuations in the temperature of the garage, caustic household chemicals, as well as the weight of equipment and the tools. The most advanced product brought up by these remodeling organizations is the wall panel which allows various kinds of shelves, drawers, cabinets and hooks to be fixed upon it and is mobile so that it can be placed as per the wish and the need of the house owner. To withstand the damaging effects of extreme temperature cycles the wall panels are made from different PVC formulations.

They fit together with the use of a tongue and groove locking system and can be easily applied on drywall or even directly to the framing studs. These panels are also available in perforated steel.

The systems are attractive because they?re flexible. The flexibility of these systems is what makes them so attractive. The different parts can be added and shifted when desired. Systems also include long lasting work surfaces, lightning and flooring.

Despite of the fact that garage organization is functional in all it?s aspects, the homeowners also aspire for a high end look that complements the atmosphere of the rest of the house, like it?s products and all. The wall and floor cabinets are made up of steel and have ball bearings glides required for smooth operation of drawers.

After moving into new homes, most of the home owners spend money on their garage organization. Selling them a custom installed system during design and construction allows the builder to recover the dollars buyers would spend at the home improvement center, as well as to provide a valuable amenity. The range of the cost of garage organization starts from as low as a few hundred dollars to a whopping $10,000. The cost is a matter of least concern when the focus of the home owners is to get a ready to use and fully equipped integrated garage solution which is beyond any monetary value. The mortgage is inclusive of the cost of the system in most cases.

For more information on garage doors check out garage door repair.Visit our site on roller door motor for more resources on garage doors.

Source: http://britevue.com/make-your-garage-attractive/

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Tuesday, September 27, 2011

It is no FEAT to travel a smooth road ? Climb ZA :: Rock Climbing ...

?My mom is 59 and she hasn?t done any cardio sports for maybe 20 years, only Tai Chi. After watching the video of FEAT talks from the Cape Town event she says to me, ?I need an adventure?. In March she started walking training and, today,?she is in Spain having completed her 16th day of walking on the El Camino de Santiago pilgrimage route. She has done?over 300 kilometres and has just less than 500 kilometres to Santiago.?

Lisa de Speville, creator and organiser of the FEAT event, is immensely proud of her mom, Liz. ?She really has gone from zero to hero in six months,? she beams. ?Adventures are not just speed and distance feats, although these do captivate and make headlines. Whether an adventure is one day or four months there should be an element of travel ? local or abroad, a physical hardship component and experiences that take you where you?ve never been before ? and not geographically speaking.?

In an email received yesterday Liz says, ?One certainly learns about one?s limitations and I think I have discovered that my feet do 20 kilometres per day nicely ? they don?t like much more. The trail is tough going and the stones underfoot are terrible; I feel like the Princess and the Pea! Foraging for food and accommodation is sometimes quite stressful. Sharing a room with many complete strangers is still a bit odd and I even did my first communal shower the other day? all women, but a first for me.?

The speakers at this third edition of FEAT are cut from the same cloth. Andy de Klerk has opened countless climbing routes; he?s also a respected and accomplished alpinist, skydiver and BASE jumper. Marian Penso spent two years planning to ride the 4418-kilometre Continental Divide route in the US, which she did with partner, Luke Bush, in only 29-days. Grant ?Twig? Baker is a big-wave surfer. He tackles?monster waves with faces of up to 20 metres. The speed. The power. The weight of that water!

These three will share the stage with endurance horse rider Craig Egberink, psychologist Gerard Finnemore, adventurers Kim van Kets and Kobus Bresler, sports scientist Ross Tucker and meteorologist Simon Gear. Nine speakers in total with seven minutes each for their talks.

Getting a taste of her own medicine, De Speville is speaking at the new Alternative & Extreme Sports Expo (www.altxsports.co.za) on the weekend of 23-25 September 2011, at Riversands Farm in northern Jo?burg. Her talks, which will take place at various times throughout the Expo, are on the topics of microadventures and seeking sponsorships for adventures and expeditions.

FEAT takes place in Jo?burg, on Thursday, 6 October 2011 at 18h30, at The Alexander Theatre in Braamfontein. Tickets are available through Computicket. Tickets are R140.00 per person. R5 from each ticket is donated to the FreeMe Wildlife Rehabilitation Centre.

FEAT is made possible by its sponsors ? Black Diamond, CAPESTORM, Hi-Tec and 32Gi. These companies also support adventurers, making expeditions possible. Go Multi and Getaway magazines are supportive media partners. For more information, visit the FEAT website at www.featsa.co.za and FEAT page on Facebook. Photos and videos of talks from the two previous FEAT events, held in Jo?burg and Cape Town, can be viewed online.

What: An evening of seven-minute talks by nine speakers in the expedition and adventure sports genres. A list of speakers, their talk topics and bios is available on the FEAT website.

Date: Thursday, 6 October 2011

Venue: The Alexander Theatre, 36 Stiemens Str, Braamfontein, Jo?burg

Secure, undercover parking available in the Liberty Life building (corner Ameshof and Melle Streets). Entrance on Melle Str. R10.00 fee. Limited on-street parking is available outside the theatre. Security guards employed by FEAT will be on Stiemens and Melle streets, around the theatre, from 18h00 for peace of mind.

Time: Theatre doors open at 18h30. Start at 19h00

Tickets: R140.00. Available?through Computicket.

Speakers include: Andy de Klerk, Craig Egberink, Gerard Finnemore, Grant Baker, Kim van Kets, Kobus Bresler, Marian Penso, Ross Tucker and Simon Gear speaking on the topics of opening climbing routes, endurance horse racing, post-expedition psychology, big-wave surfing, multidiscipline circumnavigation, microadventures, mountain bike expedition, endurance sports science and adventure meteorology.

The list of speakers, their talk topics and bios is available on the FEAT website.

YouTube Preview Image

Source: http://www.climb.co.za/2011/09/it-is-no-feat-to-travel-a-smooth-road/

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Get Bewitched with Glitz of Bollywood City with Flights to Mumbai ...

Mumbai is one of the most glamorous and rocking cites of India. Being highly influenced by the British colonial rule, the city has altered drastically and is known as the commercial capital of the country. It has an unfaltering lifestyle and never comes to a halt. Besides, Bombay has been bestowed with a host of tourist attractions which are thronged by a great arrival of tourists. This astounding city which was once called the brightest jewel of the country is now a swarming metropolis. The enticing attractions of the city provide an insight into the hidden legacy of Mumbai.

Gateway of India: Gateway of India is the starting point for most tourists booking Cheap Flights to Mumbai and who want to travel around the Mumbai city. This 26m-high structure has four turrets and intricate latticework carved into the yellow basalt stone. Mumbaites, as well as tourists come to this place in the evening and take rest from day's exhausting work schedules.

Marine Drive: Marine Drive is the place where Mumbaites hang out to cool down a while from the steamy hurried and busied life. As street lamps orderly line up on the edge of the beach, it is also known as called Queen's Necklace.

Juhu Beach: one of the most popular and posh beaches of India. This sparkling beach on the shores of Arabian Sea is the place where tourists taking Flights to Mumbai can find the bungalows of Bollywood stars. Tourists can enjoy horse rides; see dancing monkeys, acrobats, cricket matches and many more entertaining things.

Jehangir Art Gallery: There is huge rush of artistes in this gallery to show one's works. Many of the artistes have to wait a couple of years to exhibit their works in this gallery. The building of the gallery is an enormous beautiful mansion. Jehangir Art Gallery is one of the Mumbai's well-known art galleries.

Mani Bhawan: It has Gandhian literature, photographic exhibits, framed letters and 3-D tableaux of events in Gandhi's life are displayed here. Gandhi's room and belongings including his books, his trademark 'Charkha' (spinning wheel) and 'Charpoy' (rope bed) are displayed here. It is place, where Gandhi first learned how to use the spinning wheel. It a key attraction for tourists taking Mumbai Flights.

Malabar Hill is a small hill in South Mumbai that is home to the famous Hanging Gardens, Walkeshwar Temple and Kamala Nehru Gardens of the Dream City of India.

Nariman Point is the leading business center in Mumbai. Nariman Point owes its name to Khusheed Framji Nariman, a futurist Parsi, who wished to retrieve the land from the sea.

Siddhivinayak Temple: The temple dates back to 18th Century. Considered to be one of the Ashta Vinayak shrines of Maharashtra, celebrating eight instances of legends related to Ganesha, it is toured by many worshippers taking Flights to Mumbai.

Essel World: This theme park offers over 40 exciting rides, games, and attractions. The Water Kingdom is said to be the largest of its kind in Asia. It is a perfect destination for holidays.

Bollywood: Next to Hollywood, Mumbai is world's largest production centre for films. The Film City: 'Bollywood', as it is called, produces the second most number of films in the world every year. Lots of tourists book Cheap Flights to Mumbai to pay reverence to their favourite stars.

Rakesh Jha is an expert SEO at crystal travel for business development. If you want to know about Cheap Flight Tickets then you must visit crystaltravel.co.uk or call 0800 368 0300 to book your Cheapest Air Tickets.

For more information visit at http://cheapestairtickets-co-uk.blogspot.com/

Article source: http://www.articleswide.com/author/AWEA-627.html

Source: http://www.articleswide.com/article/aw920585.html

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The Best Way To Attach Snowboard Posts ... - Recreation and Sports

[unable to retrieve full-text content]Since you can certainly snow or perhaps wakeboard making use of the pulling wedding ring within the back in the boat, the snowboard pole sports the tow string higher than the top in the outboard generator, preserving this ...

Source: http://www.balease.com/700/the-best-way-to-attach-snowboard-posts-on-deck-boat/

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Monday, September 26, 2011

The Case In Point For Competition In Medicare | AutoRoll - News ...

The Case in point for Competition in Medicare

Rick Perry, governor of Texas, is not a conservative. Clearly Rick Perry is not a conservative. Don?t be fooled by his rhetoric.

?

minute while~In next to no time} rising Medicare spending is a biggest cause of the federal government?s accounts problems.? Analysts who have offered proposals to slow the pace of rising Medicare costs tend to fall into one of two competing camps, says James C. Capretta of the Heritage Foundation.

The first camp believes that weighty government management of prices as well as government reengineering of how services are delivered through the doctors in addition to hospitals can control Medicare?s costs ? as well as costs usually in the wider strength system ? without harming the quality of care.

* Through the past three decades, the camp that favors government control as well as regulation has been calling the shots throughout the Medicare program, without success.
* Proponents of the 2010 vigor care law observed the problem as well as concluded that better technocratic solutions were needed.

The other camp argues that strong competition in a functioning marketplace will work far better than more government micromanagement to improve quality along with reduce costs.

* A well-functioning marketplace would set in motion the forces needed to transform American medical care, including in the course of the Medicare context, into a model of efficient patient-centered care.
* The government can along with should play an of great consequence oversight meaning in such a reformed structure, but the difficult organizational changes plus innovations needed to provide better care at lower cost must come with the bottom up, not by the top down.
* In other terms, alters should come from those who are delivering services to patients, not from Congress, the Department of Vigor and Human Services, or an appointed board of remote in addition to unaccountable ?experts.?

Basis: James C. Capretta, ?The Case in point for Competition in Medicare,? Heritage Origin, September 12, 2011.

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Source: http://newsandsociety.therefinedgeek.com.au/index.php/2011/09/the-case-in-point-for-competition-in-medicare/

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Sunday, September 25, 2011

75 acres of land 7 miles ... - NorthEastern North Carolina Real Estate

? September 23, 2011Posted in: Uncategorized

75 acres of land for sale with 50 acres of cropland and 20 acres of cutover woodland. Farm has long road frontage on both sides of road. Located off Highway 33 neat Belvior. This would make a great farm for hunting, farming, investment, and developement. Price is $250,000. If interested please email your name, phone number, and any questions you may have about this property and I will get back to you. Serious inquires only.





Highway 33

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Source: http://252realestate.com/uncategorized/75-acres-of-land-7-miles-west-of-greenville-greenville-250000/

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Challenging Einstein is usually a losing venture

This undated file photo shows famed physicist Albert Einstein. Scientists at the European Organization for Nuclear Research, or CERN, the world's largest physics lab, say they have clocked subatomic particles, called neutrinos, traveling faster than light, a feat that, if true, would break a fundamental pillar of science, the idea that nothing is supposed to move faster than light, at least according to Einstein's special theory of relativity: The famous E (equals) mc2 equation. That stands for energy equals mass times the speed of light squared. The readings have so astounded researchers that they are asking others to independently verify the measurements before claiming an actual discovery. (AP Photo)

This undated file photo shows famed physicist Albert Einstein. Scientists at the European Organization for Nuclear Research, or CERN, the world's largest physics lab, say they have clocked subatomic particles, called neutrinos, traveling faster than light, a feat that, if true, would break a fundamental pillar of science, the idea that nothing is supposed to move faster than light, at least according to Einstein's special theory of relativity: The famous E (equals) mc2 equation. That stands for energy equals mass times the speed of light squared. The readings have so astounded researchers that they are asking others to independently verify the measurements before claiming an actual discovery. (AP Photo)

FILE - In this Tuesday, March 30, 2010 file photo, the globe of the European Organization for Nuclear Research, CERN, is illuminated outside Geneva, Switzerland. Scientists at CERN, the world's largest physics lab, say they have clocked subatomic particles, called neutrinos, traveling faster than light, a feat that, if true, would break a fundamental pillar of science, the idea that nothing is supposed to move faster than light, at least according to Albert Einstein's special theory of relativity: The famous E (equals) mc2 equation. That stands for energy equals mass times the speed of light squared. The readings have so astounded researchers that they are asking others to independently verify the measurements before claiming an actual discovery. (AP Photo/Anja Niedringhaus)

FILE - In this Dec. 28, 1934 file photo, Albert Einstein delivers a lecture at the meeting of the American Association for the Advancement of Science in the auditorium of the Carnegie Institue of Technology Little Theater at Pittsburgh. Scientists at the European Organization for Nuclear Research, or CERN, the world's largest physics lab, say they have clocked subatomic particles, called neutrinos, traveling faster than light, a feat that, if true, would break a fundamental pillar of science, the idea that nothing is supposed to move faster than light, at least according to Einstein's special theory of relativity: The famous E (equals) mc2 equation. That stands for energy equals mass times the speed of light squared. The readings have so astounded researchers that they are asking others to independently verify the measurements before claiming an actual discovery. (AP Photo)

Map shows path of subatomic beam from Geneva, Switzerland to Gran Sasso, Italy

In this 2005 photo provided by CERN, the European Organization for Nuclear Research, technicians check the magnets that will direct protons towards the target for the CERN Neutrinos to Gran Sasso (CNGS) project in Geneva. The project team, a collaboration between France's National Institute for Nuclear and Particle Physics Research and Italy's Gran Sasso National Laboratory, fired a neutrino beam 454 miles (730 kilometers) underground from Geneva to Italy. They found it traveled 60 nanoseconds faster than light. That's sixty billionth of a second, a time no human brain could register. Physicists on the team said Friday Sept. 23, 2011 they were as surprised as their skeptics about the results, which appear to violate the laws of nature as we know them. (AP Photo/CERN)

(AP) ? Betting against Einstein and his theory of relativity is a way to go broke.

For more than a century, everyone from physicists to the Nazi Party ? which encouraged the publication of the tract "One Hundred Authors Against Einstein" ? has tried to find cracks in his work. And all have failed.

On Thursday, the world's biggest physics lab unveiled a shocking finding: that one type of subatomic particle was clocked going faster than the speed of light. If true ? a big if, even the scientists there concede ? it could undercut Einstein's theories. Physicist Michio Kaku of City College of New York called it "the biggest challenge to relativity in 100 years."

Antonio Ereditato, who participated in the European experiment as head of the Albert Einstein Center for Fundamental Physics in Bern, knows what is at stake. After his team fielded two hours of technical questions, some a bit sharp, from a skeptical audience Friday, Ereditato had a beer in hand and was asked about the idea that his work was challenging the secular saint of modern physics.

"Yes, that's why I'm concerned," he said with a laugh.

There's a long history of experimental results that at first seem to contradict relativity, only later to be found to fit neatly with the theory Albert Einstein loved for its simplicity and elegance.

"It's dangerous to lay odds against Einstein," said Rob Plunkett, a physicist at the Fermilab near Chicago who has tried similar speed-of-light experiments and will now try to test the new findings.

Even Einstein himself was wrong in 1929 when he called his cosmological constant his "biggest blunder." He introduced the constant in his general relativity theory as a force that keeps the universe from collapsing. In 1998, new findings showed that the universe is accelerating and that in general Einstein's "blunder" wasn't a mistake.

Harvard University science historian Peter Galison said Einstein's relativity theories have been challenged and "pushed on as hard as any theory in the history of physical sciences ever" and they have survived.

The elegance of Einstein's theory and its proven track record are why nearly every one of the more than a dozen physicists contacted by The Associated Press about the new findings has been cautious, skeptical or downright disbelieving.

The research is the result of a collaboration between France's National Institute for Nuclear and Particle Physics Research and Italy's Gran Sasso National Laboratory.

The scientists fired a beam of neutrinos 454 miles (730 kilometers) underground from Geneva to Italy. They found it traveled 60 nanoseconds faster than light. That's 60 billionths of a second, a time no human brain could register.

"You could say it's peanuts, but it's not. It's something that we can measure rather accurately with a small uncertainty," Ereditato told the AP.

On Friday, hundreds of scientists packed an auditorium at CERN, the European Organization for Nuclear Research, on the Swiss-French border to hear the details. Physicists on the team said they were as surprised as their skeptics about the results, which appear to violate the laws of nature as we know them.

Going faster than light is something that is just not supposed to happen, according to Einstein's 1905 special theory of relativity. The speed of light ? 186,282 miles per second (299,792 kilometers per second) ? has long been considered the cosmic speed limit.

"If you find some matter particle such as the neutrino going faster than light, this is something which immediately shocks everybody, including us," Ereditato said.

The experiment needs to be independently reviewed ? most likely by teams in the U.S. or Japan.

"If this result holds, and I kind of doubt it, it means we'll have to rewrite all of modern physics," said Kaku, author of the book "Physics of the Future" and host of a Science Channel television show. "Einstein has come out ahead every single time. However, this time you're talking about the largest particle accelerator in the world registering a significant deviation in relativity."

Columbia University physicist Brian Greene said he would "bet just about everything I hold dear that this won't hold up to scrutiny." But even if the results are confirmed, Einstein's theories will need more of a patch than anything else, he said.

Ereditato agreed.

"When Einstein did his relativity, it didn't destroy what Newton did. In fact, Newton explains 99.9 percent of what is happening around us. But still, in some special conditions of matter, you are forced to use special relativity," Ereditato said. "Now suppose we would find one day that under extreme conditions you have to take into account corrections to what we know now. This doesn't mean that Einstein's wrong."

And this is the glory of science, said Don Howard, who lectures on Einstein and heads the Reilly Center for Science, Technology and Values at Notre Dame University. Experiments are allowed, even encouraged, to challenge pillars of science.

"Everything is up for grabs," Howard said. "Even a genius like Einstein."

___

Borenstein reported from Washington.

___

Online:

CERN site for neutrino project: http://bit.ly/nd9sm1

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2011-09-23-EU-Breaking-Light-Speed?/id-17a0c4b9db0b40e499cf4c474e3df295

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Interior Decorating Courses, Have You Take It? | Home ...

interior-architectureYour local college or university may offer interior decorating courses, even if it doesn?t offer a certificate in interior decorating. Through the continuing education department you may be able to take a single course on a Saturday or over several evenings, and learn about color, wall coverings, or other decorating topics. Not only can this be a valuable learning experience, you can also list any decorating courses you have taken on your resume.

If you can?t find a listing for the continuing education department in your local phone book, call the college?s main switchboard and ask for the continuing education department. They will be able to tell you about upcoming courses.

In addition to colleges and universities, you may find courses in basic decorating techniques offered by:

  • local high schools
  • business colleges (check the Yellow Pages under ?schools?)
  • retailers such as fabric stores

Related posts:

  1. Interior Designer Certification Programs (2) An Interior Decoration Certificate program is even offered by the...
  2. Interior Designer Certification Programs Dozens of universities, colleges and other organizations offer certificate programs...
  3. Interior Decorating versus Interior Design If you have been searching for information about interior decorating...
  4. Interior Decorating vs. Interior Design (2) A decorating job may be as simple as rearranging furniture...
  5. Need Free Interior Advices? Talk to Them! (3) Interior Decorators and Interior Designers ? Of course, you should...

Source: http://www.6lily.com/2011/09/interior-decorating-courses-have-you-take-it/

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Saturday, September 24, 2011

HP stock hits 6-year low after Whitman named CEO

(AP) ? Hewlett-Packard Co.'s stock sank Friday to its lowest level in six years, as investors worried that new CEO Meg Whitman isn't the right person to turn the company's fortunes around.

The stock was down 90 cents, or 4 percent, at $21.90 in midday trading. In the morning, the stock hit $21.50, its lowest level since May 2005. Broader market gauges were up slightly after a week of volatile trading.

HP announced late Thursday that former eBay CEO Meg Whitman was taking over from Leo Apotheker, who spent just 11 months on the job. Among other things, the company's board of directors was dissatisfied with the way he announced that HP is looking to get rid of its PC division.

Investors are now looking for clarity about the company's direction. Chairman Ray Lane said in a CNBC interview Friday that the company isn't looking at "getting out of the PC business." But he followed that up by saying the company is still evaluating its options for the division, which is the world's largest maker of PCs.

Uncertainty about the company's strategy is coupled with doubts about Whitman. She led eBay for ten years, taking it from a startup to one of the dominant e-commerce companies. But analysts point out that she has no experience in enterprise technology and, indeed, no expertise outside the consumer sphere. They also note that eBay is a fraction of HP's size.

"While we believe the decision to replace Leo Apotheker was a good one, we are disappointed with the naming of Meg Whitman as HP's permanent CEO, and believe that this sentiment is shared by most investors and large HP shareholders," Sanford Bernstein analyst Toni Sacconaghi said Friday. "We believe the company was remiss in not conducting a comprehensive CEO search."

Associated Press

Source: http://hosted2.ap.org/apdefault/495d344a0d10421e9baa8ee77029cfbd/Article_2011-09-23-Hewlett-Packard/id-74bf504dad2243d8af5d511d413bf9ed

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US Centcom chief visits Pakistan amid rift (AP)

ISLAMABAD ? A top American military commander was in Pakistan on Saturday for talks with the army chief at a time of intense strain between the two countries.

The U.S. Embassy said Gen. James Mattis, head of U.S. Central Command, arrived in Pakistan late Friday, and that he will meet the army chief, Gen Ashfaq Parvez Kayani.

Ties between Islamabad and Washington are in crisis after American officials stepped up accusations that Pakistan's premier spy agency, Inter Services Intelligence (ISI), was aiding insurgents in neighboring Afghanistan, including those who took part in an attack on the U.S. Embassy last week in Kabul.

Kayani said on Friday that the charges were baseless and part of a public "blame game" detrimental to peace in Afghanistan. Other Islamabad officials urged Washington to present evidence for such a serious allegation. Pakistani Foreign Minister Hina Rabbani Khar warned the United States is risking losing an ally in the war on terror.

The row began when Adm. Mike Mullen, chairman of the Joint Chiefs of Staff, on Thursday accused the ISI agency of supporting Haqqani insurgents in planning and executing last week's 22-hour assault on the U.S. Embassy and a truck bombing that wounded 77 American soldiers days earlier.

Kayani said the allegations were "very unfortunate and not based on facts."

The claims were the most serious yet by an American official against nuclear-armed Pakistan, which Washington has given billions in civilian and military aid over the last 10 years to try to secure its cooperation inside Afghanistan and against al-Qaida.

The Haqqani insurgent network is widely believed to be based in Pakistan's North Waziristan tribal area along the Afghan border. The group has historical ties to Pakistani intelligence, dating back to the war against the Soviets in Afghanistan in the 1980s.

The relationship between the two countries has never been smooth, but it took one of its hardest hits when U.S. commandos slipped into Pakistan on May 2 without informing the Pakistanis of their mission and killed al-Qaida chief Osama bin Laden in a garrison town not far from Islamabad.

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/ap/20110924/ap_on_re_as/as_pakistan

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Lady Gaga Heartbroken Over Bullied Teen Fan's Suicide

Lady Gaga Heartbroken Over Bullied Teen Fan's Suicide

Lady Gaga is in mourning. One of her Little Monsters committed suicide after incessant bullying, and now the pop star hoping to meet with President Obama to discuss the issue.

When the self-proclaimed Mother Monster found out 14-year-old Jamey Rodemeyer ended his own life, she twittered her fans, "The past days I've spent reflecting, crying, and yelling. I have so much anger. It is hard to feel love when cruelty takes someone's life." And she added, "Bullying must become be illegal. It is a hate crime.

She later said: "I am meeting with our President. I will not stop fighting. This must end. Our generation has the power to end it. Trend it #MakeALawForJamey."

Rodemeyer, who had participated in Dan Savage's "It Gets Better" campaign on YouTube, thanked Gaga in his video for making him happy and helping him come to terms with his identity.

"She lets me know that I was born this way…. All you have to do is hold your head up and you'll go far…Look at me. I'm doing fine. I went to the Monster Ball and now I'm liberated," he says in the video message.

But despite his optimism in the video, the Buffalo, N.Y., teen continued to feel embattled and blogged about his struggle with bullying.

"I always say how bullied I am, but no one listens," he wrote on Sept. 9. "What do I have to do so people will listen to me?"

In his final messages on Tumblr and Facebook, Rodemeyer continually referred to Gaga and her music. Leading up to his suicide, he posted lyrics from Lady Gaga's song "The Queen" on his Facebook page: "Don't forget me when I come crying to heaven's door." And in his last blog entries, he expressed a desire to see his recently deceased great-grandmother again, and thanked Lady Gaga.

Watch Jamey's touching "It Gets Better" message here:

Source: http://www.ivillage.com/lady-gaga-heartbroken-over-bullied-teen-fans-suicide/1-a-385195

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Friday, September 23, 2011

Pittsburgh Car Insurance - Car Insurance Comparison

Pittsburgh is the second most congested city of Pennsylvania. With so many people and cars, Pittsburgh car insurance is very important! Compare car insurance quotes for?Pittsburgh?with our ZIP code search! Being industrious in nature, Pittsburgh motorists spend a lot of time on the road. The average Pittsburgh driver spends 23.1 minutes commuting to and from work each day. When this is multiplied with the population of the city, one finds that there is more than 7.1 million minutes worth of driving time daily. Looking for affordable car insurance? Enter your ZIP code above and start comparing TODAY!

PittsburghPittsburgh Car Insurance Laws

Taking these staggering statistics into account, one begins to comprehend the need to be fully protected when travelling on the road. In fact, it is required by law that every driver should carry a minimum amount of insurance. In Pittsburgh, it is not even possible to register a car unless the buyer proves that they have insurance. Not being insured can leave one open to lawsuits and financial devastation if they are involved in an accident.

If one continues to drive without insurance in Pittsburgh they may face the following stern action.

  • A fine of $300 or more operating a vehicle without insurance
  • Suspension of driver?s license and three-month registration
  • Registration reinstatement fee of $50
  • Driver?s license reinstatement fee of $50

In addition, if there is a lapse in insurance of less than 31 days the vehicle cannot be used until the insurance is reinstated. If the lapse is more, then the plates have to be turned in to PennDOT before the 31 day limit runs out to avoid the penalties. Upon turning the plates in, a letter of suspension of the driving privileges will be sent by the PennDOT along with instructions on how to have it reinstated.

Pittsburgh also practices no-fault car insurance laws. In a broad sense, this means that the driver?s own insurance company is required to reimburse the damages caused to the driver and the passengers in an accident according to the terms of the policy, regardless of whose fault the accident was. In addition, the driver does not have the right to seek damages caused by the other party.

Pennsylvania Insurance Requirements for Private Vehicles

In order to be able to register a car in Pittsburgh it is obligatory to have a minimum liability insurance policy. The coverage must include the following:

  • There must be $15,000 of coverage for injury or death to one individual for a single accident.
  • There must be $30,000 of coverage for injury or death to more than one individual for a single accident.
  • There has to be $5,000 worth of property damage.

This is obviously the minimum coverage, and it is common knowledge that accidents are potentially very expensive. To fully protect one?s self, it is best to have more. Knowing the exact type of coverage and the amount is perhaps the single most difficult part when buying car insurance. In a city as congested as Pittsburgh, where the chances of accidents are enhanced due to the amount of traffic, being properly insured becomes more important.

Other than accidents, car theft can also create a major financial burden above and beyond leaving one stranded without a means of transportation to and from work. There were thousands of reported car thefts in Pittsburgh last year alone. Besides having theft insurance, it is important to secure the car with safety features like car alarms and trekking devices. Not only do they protect the car against being stolen, such security measures also helps find low cost car insurance.

Average Car Insurance Costs in Pittsburgh

Residents of Pittsburgh dish out an average of $1,460 for car insurance ? that is 2.2% less than Allegheny County and 11.77% more than the average rate for Pennsylvania car insurance. There are numerous factors that are taken into account by the insurance companies when determining the cost premiums. Basic information like the amount of coverage, driving experience and previous record, marital status, age, type of car, amount of time the car will be on the road, type of driving (congested city vs. urban) and numerous other factors are taken into consideration to determine the cost of a policy.

Due to the number of variables involved and the competitive nature of the business, no two car insurance companies will give the exact quotes for the same policy. Therefore, it is essential to compare the prices of different insurance companies to get the best possible deal before settling with a company.

Steelers CarPittsburgh Car Insurance Statistics

There were 26 fatal car crashes that took place in Pittsburgh in 2004, and this does not factor in the numbers from the neighboring towns or cities. A total of 65 people and 35 cars were involved in those crashes and over 5,000 cars were reported stolen in 2005.

Insuring a vehicle is a top priority for every car owner, but the jungle of insurance choices available may leave one in a daze, not to mention a bit intimidated. To be able to decide which insurance company will best suit the individual needs and compare the car insurance rates of the numerous companies, it is best to have a systematic approach.

  1. Decide the amount of coverage desired.
  2. Have the make and model of the car to be insured handy.
  3. Have all personal information and driver license ready.
  4. Have a list of the anti-theft devices installed in the car like a trekking device, alarms or any automatic locking systems.
  5. Have a list of the safety features installed in the car like seat belts, number of air bags and any sensors or alarms.

When comparing the rates of different companies, it is important that the same information should be provided to each one, so that the criteria for determining the cost of insurance should be the same. This way the quotes one gets will be more meaningful. Also, the more complete information one provides, the more accurate the quotes are likely to be. One should also take the time to compare state car insurance to insure they are not overpaying for their insurance!

IncomeCompare Pittsburgh Insurance Rates

Cost of insurance varies among the different companies, so a good rule is to get quotes from at least three different companies. If one is not familiar with any companies and their reputation, then a good place to get an idea would the Pennsylvania Insurance Department?s Rate Comparison Guide. The guide lists the top car insurance companies according to written premium volume by county.

When comparing rates, it is important to remember that many companies offer discounts for safe drivers, use of safe cars (cars that have good safety ratings in government safety tests), drivers with package policies, good students and more. Also, higher deductibles lead to lower premiums, so the cost of a policy can be lowered by choosing the deductible carefully keeping one?s income in mind. Enter your ZIP code and start your car insurance comparison search TODAY!

START YOUR FREE CAR INSURANCE QUOTE COMPARISON NOW!

Source: http://www.carinsurancecomparison.com/pittsburgh-car-insurance/

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