Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/140089452?client_source=feed&format=rss
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Tuesday, September 27, 2011
Homeowners Insurance Not Cover Many Types of Damage
Homeowners Insurance Not Cover Many Types of Damage
Every year in every state, property owners, many of which found that insurance policy that the landlord will not pay when their home was destroyed by geological processes such as earthquakes, soil, expansive, floods, hurricanes, landslides and subsidence. These homeowners might have the impression that the "total disaster" insurance policies, they will pay for almost any type of damage that they will be exposed to. But I feel the same way when I bought my first home owners insurance policy. I remember a prominent agent told me that it was a "total disaster" and feel good about that. I do not read policies word by word to see what it really covers - the previous policy of insurance issued by 50 leading companies in the insurance industry? Everyone assumed that they will cover everything. A few years later to work as a geologist who brought me in contact with the owners of many homes that do not fit together when their homes have been damaged by flooding, landslides, subsidence and other problems, I was surprised at that. Many people have been urged to ensure the rough.not by the company that I tend to think that the leaders of the indusstry insurance. "The thing that we do not cover." One day, I send my insurance company's policy is revised, and I decided to take a little time reading it. I want to find out if your policy will cover the same threat that I see others suffering? Sure enough, the policy statement, except that very clear. The list of exceptions is almost identical to the subject of environmental geology textbook. Have coverage for landslides, floods, mine subsidence, mud slides, mud flows, volcanic eruption, surface water, waste water, and a long list of other problems are not. I have looked in the statements excluded from homeowner's insurance policy number and my personal opinion is that the typical homeowner's insurance policy is not much more than fire and liability policy limits. - and some areas may be damaged by objects falling and the wind. Your homeowners insurance might not cover even half of what you think it will. Lessons that will take away from this. "Learning about geology before you buy a house" if the house has some of the geological risk, you should not buy it. You should know exactly what your risk and insurance to provide cover for themn or living in the house to inform you of your touch. Below I have done my best to summarize what many homeowners policies do not cover and provide links to more detailed information. To learn more on these topics can be found by reading books about environmental geology and environmental geology at the University. For specific information contact the website you can consult a geologist or geological exploration services in areas where housing is located. Earthquake insurance. Typical homeowners insurance policies do not cover damage from earthquakes. Homeowners in need of protection is normally required to purchase "a disaster" policy - a policy of insurance, earthquake. One way to do this is to ask your homeowners insurance agent if your policy provides coverage for earthquake.In some geographic areas, earthquake insurance is available through government-sponsored programs such as earthquakes in California. Many insurance agents can advise you about our company and the government provided protection against earthquakes in your area. Question many people ask the landlord is. "Do I need earthquake insurance?" There are a few situations where homeowners have earthquake insurance in order to comply with the requirements of a mortgage. But for most people the answer depends on where home is and the level of risk that homeowners will be willing to take. Small map on the right shows the geographical variability of the earthquake hazard. White areas on these maps are the least dangerous and most red zone. Earthquake insurance can be a very good idea in red and orange. If I lived in these areas, I will buy insurance. It is thought wise in the yellow area. The danger of an earthquake is reduced in the area of green, blue and white, if you live in one of these areas and want the peace of mind that you receive financial protection in case of damage and insurance to buy. good I live in southwestern Pennsylvania and did not have earthquake insurance - maybe I will not regret one day
Every year in every state, property owners, many of which found that insurance policy that the landlord will not pay when their home was destroyed by geological processes such as earthquakes, soil, expansive, floods, hurricanes, landslides and subsidence. These homeowners might have the impression that the "total disaster" insurance policies, they will pay for almost any type of damage that they will be exposed to. But I feel the same way when I bought my first home owners insurance policy. I remember a prominent agent told me that it was a "total disaster" and feel good about that. I do not read policies word by word to see what it really covers - the previous policy of insurance issued by 50 leading companies in the insurance industry? Everyone assumed that they will cover everything. A few years later to work as a geologist who brought me in contact with the owners of many homes that do not fit together when their homes have been damaged by flooding, landslides, subsidence and other problems, I was surprised at that. Many people have been urged to ensure the rough.not by the company that I tend to think that the leaders of the indusstry insurance. "The thing that we do not cover." One day, I send my insurance company's policy is revised, and I decided to take a little time reading it. I want to find out if your policy will cover the same threat that I see others suffering? Sure enough, the policy statement, except that very clear. The list of exceptions is almost identical to the subject of environmental geology textbook. Have coverage for landslides, floods, mine subsidence, mud slides, mud flows, volcanic eruption, surface water, waste water, and a long list of other problems are not. I have looked in the statements excluded from homeowner's insurance policy number and my personal opinion is that the typical homeowner's insurance policy is not much more than fire and liability policy limits. - and some areas may be damaged by objects falling and the wind. Your homeowners insurance might not cover even half of what you think it will. Lessons that will take away from this. "Learning about geology before you buy a house" if the house has some of the geological risk, you should not buy it. You should know exactly what your risk and insurance to provide cover for themn or living in the house to inform you of your touch. Below I have done my best to summarize what many homeowners policies do not cover and provide links to more detailed information. To learn more on these topics can be found by reading books about environmental geology and environmental geology at the University. For specific information contact the website you can consult a geologist or geological exploration services in areas where housing is located. Earthquake insurance. Typical homeowners insurance policies do not cover damage from earthquakes. Homeowners in need of protection is normally required to purchase "a disaster" policy - a policy of insurance, earthquake. One way to do this is to ask your homeowners insurance agent if your policy provides coverage for earthquake.In some geographic areas, earthquake insurance is available through government-sponsored programs such as earthquakes in California. Many insurance agents can advise you about our company and the government provided protection against earthquakes in your area. Question many people ask the landlord is. "Do I need earthquake insurance?" There are a few situations where homeowners have earthquake insurance in order to comply with the requirements of a mortgage. But for most people the answer depends on where home is and the level of risk that homeowners will be willing to take. Small map on the right shows the geographical variability of the earthquake hazard. White areas on these maps are the least dangerous and most red zone. Earthquake insurance can be a very good idea in red and orange. If I lived in these areas, I will buy insurance. It is thought wise in the yellow area. The danger of an earthquake is reduced in the area of green, blue and white, if you live in one of these areas and want the peace of mind that you receive financial protection in case of damage and insurance to buy. good I live in southwestern Pennsylvania and did not have earthquake insurance - maybe I will not regret one day
Cheap repo and seized cars for sale - Government Car Auctions Police
If you think you can make more money by buying second car garage sale over the counter saving, think again. There are plenty of options available for cheap cars to buy still in relatively good condition.
Today there are plenty of websites that could lower prices and better cars, some of them are almost new and some models of car you can buy at a price of 20-60% discount to its market price current. What are we talkingto sell the cheap repo and seized cars.
We Buy Any Car
What are these cheap repo and seized cars for sale? If you still do not know, means "repo" recovered by the government, either by police or state institutions such as the FBI, IRS, DEA, U.S. Treasury, etc.
Now you get the idea? These cars from criminals, tax evaders, or whatever it took an error of law committed. (No need to worry and anxiety about the condition of the car and last owner. These cars were not usedof assassins.) It is unknown why these high quality vehicles, the brand's models that contain fewer or damage would not be at all.
Since it costs the government money and space for storage and maintenance of these vehicles recovered, are more than willing to sell at reasonable prices to get rid of it, because more and more cars repo and seized
However, it should be noted that cars sold at government auto auctions, as it will be sold. So you need to know howTo check the car before buying. If you do not know, it would be best to lead someone on, how much repair is needed before they are sold, can bring.
Cheap repo and seized cars for sale - Government Car Auctions Police
How to solve the messy CPF Life scheme
Many people find it difficult to choose among the four options given by CPF Life. Many of them do not like the CPF Life scheme for reasons that are peculiar to their personal situation. Here are my suggestions on how to get out of this messy situation.
Financially sound retirement
Read this article about how to prepare for a financially sound retirement. Several tips refer to the tax situation in America which does not apply to Singapore. Some of the other tips, e.g. do not have debts, how to spend within your means - are relevant.
Dublin City Centre Hotels
Amplify’d from luxuryhotelsireland.org
Dublin is one of the oldest ports in the geographical region of the British Isles but is of course in Ireland, a fiercely independent country that won it’s independence from the British after many years of being ruled from London. The city is a wonderful blend of the old and the new. A tourist visiting the city would be well advised to find a hotel in the center of the city. By staying right in the heart of the city, you will be able to take advantage of the many sites and attractions that Dublin has to offer.
Boutique hotels
When you are looking for a good hotel, you might want to investigate some of the charming boutique hotels that the city has to offer. Boutique hotels are different from other hotels in that they each have a personality and a charm that is as unique as the building. There are a number of older estates in Dublin that have been restored and are now operating as hotels. Check out 5 star hotels in Ireland and luxury hotels Ireland.
See this Amp at http://amplify.com/u/a1du8r
5 Star Hotels in Ireland
Amplify’d from luxuryhotelsireland.org
If you are thinking about going to this remarkable island for a short holiday, you should consider staying in a luxury hotel. Many of these wonderful hotels have a charm that is unique to the country and its culture. A night or two in one of these establishments may well be the highlight of your trip.
One of the most charming places to stay is Dromoland Castle. Parts of this castle were constructed in the 15 and 16th centuries. However, numerous renovations and additions have made this historic building into a luxury hotel.(Check out Skylon hotel Dublin and other luxury hotels in Ireland also)
See this Amp at http://amplify.com/u/a1du6u
Making the most of PR in the food and drink sector | Hotel and Jobs ...
The food and drink sector is especially competitive, and an effective PR strategy can give you and your product the edge.
Below are some tips on getting started.
Before you begin?
In order for your consumer PR to have any effect at all, you first need to ensure that your product is in the stores and available for customers to buy ? consumer titles won?t even consider promoting your product if it isn?t widely available. Likewise, the more stores you can get your product in to, the more likely you are to get press coverage.
Trade titles
If you have a new product that you want to shout about, this is the place to do it. When your press release is ready, call your chosen magazine. Explain briefly who you are, why you?re calling and what the press release is about, then ask who the best person to send it through to via email would be.
Once you?ve established these contacts, by sure to check in with the journalists regularly ? building a relationship can be extremely beneficial as it is more likely to lead to repeat coverage.
Consumer titles
While many consumer titles incorporate some food and drink coverage, opportunities are minimal and highly sought after.
Identify which titles are being read by your target market and focus your attention on these; it?s better to have a considered, targeted campaign applied where it matters than a blanket campaign that ends up being nothing more than a blip on journalists? radar.
There?s little point in targeting recipe pages as the vast majority of these are written in house; you best bet is ?Tried and Tested? and ?New in store? slots.
Try and establish a point of contact at each title so that they become familiar with you and your products ? you?re more likely to get positive feedback this way.
It?s also worth considering running competitions with consumer titles; guaranteed exposure for a small outlay (i.e. the cost of the prize) shouldn?t be undervalued.
Always be sure you have a plentiful supply of samples that you?re willing to send to journalists so they can review your products; it?s not a good idea to keep them waiting as it could reflect negatively on your business.
Instore titles
Many of the major supermarkets now have their own magazines. Getting your product featured here can make a huge difference, so try to build a good relationship with the stores.
Source: http://www.hotelandjobs.com/making_the_most_of_pr_in_the_food_and_drink_sector
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Class action on Pinnacle Notes
An important decision on the class action for the Pinnacle Notes in the USA will be decided soon - the hearing will start on 28 September.
By GRACE LEONG (Business Times)
A lawsuit involving allegations that Morgan Stanley & Co Inc sold rigged Pinnacle Notes as 'safe, conservative' products to a group of Singaporean investors including Singapore's oldest credit cooperative, costing them US$154.7 million in investment losses, is making its way through federal court in Manhattan.
A hearing is scheduled for Sept 28 in which the US District Court for the Southern District of New York will decide whether the case can proceed in the US or whether it should be dismissed and heard in Singapore, The Business Times has learned.
If approved, the Singapore investors will seek class-action status.
NOTE:
Under a class action (in the USA), any compensation received will be shared by all investors in the class, including the investors who were not involved in lodging the original complaint. There is no provision for a class action suit in Singapore.
By GRACE LEONG (Business Times)
A lawsuit involving allegations that Morgan Stanley & Co Inc sold rigged Pinnacle Notes as 'safe, conservative' products to a group of Singaporean investors including Singapore's oldest credit cooperative, costing them US$154.7 million in investment losses, is making its way through federal court in Manhattan.
A hearing is scheduled for Sept 28 in which the US District Court for the Southern District of New York will decide whether the case can proceed in the US or whether it should be dismissed and heard in Singapore, The Business Times has learned.
If approved, the Singapore investors will seek class-action status.
NOTE:
Under a class action (in the USA), any compensation received will be shared by all investors in the class, including the investors who were not involved in lodging the original complaint. There is no provision for a class action suit in Singapore.
Volatile gold and silver prices
Gold an silver prices can be quite volatile. Gold dropped 8% in 3 days and is expected to rally. However, there is the risk that it may drop much further. The drop in silver is more severe. This is an example of a speculative and volatile market. Be careful.
http://www.businessweek.com/news/2011-09-27/gold-rallies-after-biggest-three-day-drop-since-lehman-collapse.html
Here is a bearish view:
http://www.cnbc.com/id/44667027
http://www.businessweek.com/news/2011-09-27/gold-rallies-after-biggest-three-day-drop-since-lehman-collapse.html
Here is a bearish view:
http://www.cnbc.com/id/44667027
How to use private bankers
In some countries, financial advisers or private bankers can advise their wealthy clients on tax and estate planning, so that they can minimize the tax payable on their income or on the estate that is transferred to the dependants.
It is difficult for these advisers to help their clients in market timing or stock selection - as this is speculation and a zero-sum game. In fact, after allowing for the cost of transactions and fees, it is a negative sum game for the clients.
The best way to get a good yield on the investments is to invest in an index fund and to invest for the long term - to average out the good and bad years. There is little that the advisers can help the client to achieve a better yield.
I have seen many cases where the investor who had relied on the financial adviser to pick the manage the investments on their behalf - only to be disappointed with the bad results. The financial adviser probably did their best, but when the market is volatile, some investors will be at the wrong end, and the results can be disastrous. For each winner, there will be a loser - and after deducting fees and expenses, most investors (actually speculators) will be worse off.
To avoid speculation, you should learn how to invest for the long term. Read my book on financial planning (www.tankinlian.com/ishop) or attend the financial planning talk organized by FISCA (www.easysearch.sg/fisca).
It is difficult for these advisers to help their clients in market timing or stock selection - as this is speculation and a zero-sum game. In fact, after allowing for the cost of transactions and fees, it is a negative sum game for the clients.
The best way to get a good yield on the investments is to invest in an index fund and to invest for the long term - to average out the good and bad years. There is little that the advisers can help the client to achieve a better yield.
I have seen many cases where the investor who had relied on the financial adviser to pick the manage the investments on their behalf - only to be disappointed with the bad results. The financial adviser probably did their best, but when the market is volatile, some investors will be at the wrong end, and the results can be disastrous. For each winner, there will be a loser - and after deducting fees and expenses, most investors (actually speculators) will be worse off.
To avoid speculation, you should learn how to invest for the long term. Read my book on financial planning (www.tankinlian.com/ishop) or attend the financial planning talk organized by FISCA (www.easysearch.sg/fisca).
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