text: Get henry copeland's new noise quotes. Subscribe Recent quotes: Pink noise boosts deep sleep in mild cognitive impairment patients: Sound stimulation in deep sleep improved recall for some in small pilot study -- ScienceDaily Each participant received sounds on one of the nights and no sounds on the other. The order of which night had sounds or no sounds was randomly assigned. Participants did memory testing the night before and again in the morning. Scientists then compared the difference in slow-wave sleep with sound stimulation and without sounds, and the change in memory across both nights for each participant. The participants were tested on their recall of 44 word pairs. The individuals who had 20% or more increase in their slow wave activity after the sound stimulation recalled about two more words in the memory test the next morning. One person with a 40% increase in slow wave activity remembered nine more words. The sound stimulation consisted of short pulses of pink noise, similar to white noise but deeper, during the slow waves. The system monitored the participant's brain activity. When the person was asleep and slow brain waves were seen, the system delivered the sounds. If the patient woke up, the sounds stopped playing. #memory #sleep #noise - sciencedaily.com Cannabis increases the noise in your brain "At doses roughly equivalent to half or a single joint, ∆9-THC produced psychosis-like effects and increased neural noise in humans," explained senior author Dr. Deepak Cyril D'Souza, a Professor of Psychiatry at Yale School of Medicine. "The dose-dependent and strong positive relationship between these two findings suggest that the psychosis-like effects of cannabis may be related to neural noise which disrupts the brain's normal information processing," added first author Dr. Jose Cortes-Briones, a Postdoctoral Associate in Psychiatry at Yale School of Medicine. #psychology #neurons #pot #noise - sciencedaily.com The digital avalanche Silicon Valley's interest in meditation is, in some respects, adaptive. "We're at the epicenter of being stimulated with digital stuff," Mamood Hamid, a venture investor at Social Capital, told me. "Five years ago, it was just e-mail. Now if you're not on Twitter, if you don't know how to use social, you're a Luddite. And then you add the Apple Watch that's going to be giving you notifications every five minutes—text messages, e-mails. It's going to drive you insane." Stewart Butterfield, the C.E.O. of Slack, noted that this is a fate that awaits us all. "I feel like we're in the early stages of a species-level change with devices," he told me. #silicon-valley #noise #distraction - newyorker.com Focusing the Brain on Better Vision - NYTimes.com as people aged, the random firing of neurons in the brain's visual system increased, creating a kind of internal noise. At the same time, the aging brain struggles harder with external visual noise, such as snowflakes in a blizzard that obscure words on a road sign. The latest study's exercises were designed to train adults to filter such external visual noise so they could better discern edges of contrast. "It's possible that the brain might simultaneously have been trained to reduce internalized noise," Dr. Andersen said. Researchers are increasingly focused on perceptual learning, the brain's ability to discriminate among stimuli — training the ear, for example, to distinguish between Shostakovich and Bartok, or the palate to discern a cabernet sauvignon from a pinot noir. There is also much research on the aging brain. 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The war on IRAQ. See it the way our troops saw it. The front lines to fallusha. You'll see it through the "eyes" of our troops. You'll see the bloody front lines of Bagdahad, IRAQ.
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Jakarta is home to various culinary delights. As traffic congestion never ends at this city, young urbanites love to spend time at cafes and restaurants to kill time. Here are my recommended cafes and...
For the newlyweds (or any couples), start packing your bags for Sri Lanka!
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Galle Face Beach - Galle Road, Colombo, Sri Lanka
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The world in 2019 is not what it used to be and, this year has changed how travel is looked at, as well as how people travel. Travel is almost a must now, and young people are flocking to amazing destinations...
The SEA Games are nearly upon us, and as you prepare for your great adventure in the Philippines to coincide with the SEA Games 2019, a visit to Subic will no doubt be part of your travel itinerary. A...
We Win As One!
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The SEAGames 2019 will be the 30th edition of the Southeast Asian Games and this year, it will be hosted by the Philippines. From 30th November to 11th December, Manila, Clark...


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Title: Engineer III, R&D
Everyone communicates. It's the essence of the human experience. How we communicate is evolving. Technology is reshaping the way we live, learn and thrive. The epicenter of this transformation is the network—our passion.
Our experts are rethinking the purpose, role and usage of networks to help our customers increase bandwidth, expand capacity, enhance efficiency, speed deployment and simplify migration. From remote cell sites to massive sports arenas, from
busy airports to state-of-the-art data centers—we provide the essential expertise and vital infrastructure your business needs to succeed. The world's most advanced networks rely on CommScope connectivity
Position Title: Engineer III, R&D
General Summary -
An individual with good hands on experience of designing and implementing Management protocols on complex 5G network devices/platform with with at least 2-3 years in Moudle/Technical Leader role.
Duties & Responsibilities
1. Develop on/off box Manageability solutions in Agile mode for 5G RAN products, addressing various aspects of Network OA & M requirements.
2. Engage with System Engineering Team to translate the product requirements in to functional Engineering requirements and resolve cross dependencies.
3. Lead the Technical Design discussions and take ownership of coding complex/large modules. Should be at ease with programming in C/C++ .
4. Develop various work items viz, System/Unit Functional Spec, Design Spec, Implementation, Test/Integration Plans and Testing etc. Develop test harness rapidly using scripting.
Bachelor/Masters in related curriculum such as BE/Btech in CS/IS/ECE:With 7 to 11 years related experience.
Include demonstrated competencies and physical, mental, & interpersonal skills
• Proficiency in C/C++, Linux OS, Data structures, IPC mechanisms, Intricate understanding of multithreading/routines, Network programming, Object oriented methodologies.
• Hands-on experience of designing and implementing Management protocols on complex network devices/platform.
• Practical/applied expertise on management technologies: /NETCONF/YANG/OpenConfig etc.
• In-depth understanding of the advanced design constructs in Management Protocols like GNMI/Streaming Telemetry/Google Protobuf/SNMP/Netconf/REST
• Sound Data/Information modeling techniques and tools used for Modeling like YANG, UML etc.
• Expertise with one or more compute/storage/network virtualization platforms, such as OpenStack, kubernets and VPF, PNF Concepts.
• Ability to clearly call out dependencies all thru' the product development life-cycle and drive for completion.
• Knowledge of 4G/5G architecture nodes is preferred.
• Knowledge on version controltools ( git ), CICD & devOPS concepts Desirable.
Commscope is an Equal Opportunity Employer.
Job Segment: Engineer, R&D Engineer, Virtualization, Linux, Product Development, Engineering, Technology, Research


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Poem : Bring Back the Sun by Arun Pandit
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MOTIVATIONAL POEM MY SOUL HAS A HAT BY Mário de Andrade
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Found 109 social studies tutors in Baytown, TX 77520 – page 1 of 11.
Houston 77015 · 11 miles from 77520 · $25/hour · teaches Social Studies -
I have been a teacher and a Coach for twenty-five years. I was awarded a performance bonus for my student performance on the Stanford 9 test my last three years in the Houston ISD. I have a Social Studies...certified
Seabrook 77586 · 12 miles from 77520 · $45/hour · teaches Studies - Bodybuilding -
Everyone deserves the chance to be the best at all subjects and I enjoy helping people achieve their goals. I have studied many different subjects and have a well rounded academic profile.certified
Houston 77059 · 13 miles from 77520 · $50/hour · teaches Social Studies -
I have 27 years of experience as a social studies teacher and athletic coach. I enjoy the rewards of working with young people in helping them achieve their goals. I have tutored and taught U.S. History...certified
Houston 77011 · 19 miles from 77520 · $50/hour · teaches Statistics, Study Skills
I didn't know that's what I was doing, I thought I was just helping them study for math, but I have since realized that I was picking up the slack where the school system had failed.Red Apple award, member for 7 months
Houston 77034 · 15 miles from 77520 · $50/hour · teaches Social Studies - World
I have passed the Texas content exams for teaching Social Studies and English, for gcertified
Houston 77062 · 15 miles from 77520 · $60/hour · teaches Social Studies -
In school I was in accelerated classes for English, Reading, Literature, History, Social Studies, and Writing, which I have excelled in with high marks. I have written many essays in college, and have received high...certified
Webster 77598 · 17 miles from 77520 · $60/hour · teaches Studies - College Counseling -
Sarah holds degrees in cultural anthropology, history, political science and English. She has served on the Pennsylvania Association for College Admission Counseling (PACAC) Planning Commission, the Supplemental...certified
Baytown 77521 · 4 miles from downtown · $75/hour · teaches STAAR - Study Skills -
I'm a veteran English Language Arts teacher with 27 years classroom experience. My areas of expertise are reading, writing, STAAR, and personal communication. I am a National Board Certified teacher.certified
Baytown 77521 · 4 miles from downtown · $40/hour · teaches STAAR - Study Skills -
Hi! My name is Cynthia, and I am a certified former teacher with experience teaching in a Head Start Program, Bilingual Kindergarten, 1st Grade, 8th grade American history and high school Spanish I. I am available...certified
Friendswood 77546 · 20 miles from 77520 · $45/hour · teaches Social Studies -
I would love to help you or your child gain the knowledge and study skills you need to succeed! I graduated from University of Texas in 2010 with a Bachelor's in English and a double minor in Art History and Information...certified


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Warm December
I spent most of November on my mountain bike exploring new trails and happening upon more deer than I can count. If it rained, I went trail running or hiking. So far, December is off to a strange start. It … Continue reading
Posted in MTB, Road, Ski Tagged Cold, Mount Snow, Mountain Biking, Skiing, Snow, Vermont, Whitetail, Wind, Winter Leave a comment
Patapsco Cross
Yesterday I raced in my first cyclocross race and first bike race of any kind for that matter. It was incredible! Here's my race number. The race was held at Watkins Park in Mt. Airy, MD. There were maybe 150 … Continue reading
Posted in Cyclocross, Training Tagged Arm Warmers, Autumn, Beautiful, Cold, Crash, Cyclocross, Good Time, Race 1 Comment
I suppose winter cycling starts here
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The next generation of Moneyballers may well use sophisticated artificial-intelligence methods to gain an edge, just as the IBM-programmed Watson machine beat Ken Jennings at Jeopardy!.
Put on your seatbelts HR folks! I never like those words associated together. For example, when we first started the Boxscore Geeks we took on the audacious task of projecting the entire NBA season.
Still other seed fell on good soil, where it produced a crop—a hundred, sixty or thirty times what was sown. And we find out that the birthdate corresponds to a memory implanted in K. Who scouted those three remarkable pitchers?
The integration of the above has made a people analytics approach more possible than ever before. Should this very formulaic method be solely relied on? HR is no longer a cost center it never was or should have been viewed as such, in my humble opinion in the Ideas Age, its place is at the strategic core of the firm.
And, in my showing at least, there were audible gasps and winces at all the right moments. In the to seasons, after the Moneyball revolution was under way, payroll explained Many organisations do not do that or understand that staff are the most costly and important resource in their business and therefore they need nurturing and feeding like flowers if they are to bloom and give back to the employer.
One size I am afraid does not fit all, but good for Google that they have found the model that fits them for the moment at least.
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Something — say, Scott Hatteberg and his on-base percentage — could win a game here and there, but at the same time not put people in the seats or increase television ratings. They are well on their way to that, but Hayward is not a direct factor.
Can some people stay ahead of the curve?
The four closers ranked ahead of him averaged Cancel List of Bookmarks The film Moneyball was well-received by both audiences and critics and an Academy Award contender for best film at the Oscars. It portrays things as lucid and simple and resolved that are in fact muddy and complex and open to debate — also the case with the book.
Is this how far HR is of base!!! Jason Kidd was also fired midseason if you believe coaching matters. Peter Brand says his statistical data indicate the insignificance of fielding. Sincemore than 6. And it sells concessions and paraphernalia, hats, jackets and so on. However, as someone once said—not everything that counts can be counted, and not eveything can be counted counts.
Evidently it has been a successful approach. I agree with the main idea: From toon-base percentage was a significant predictor of wins, but not a very significant predictor of individual player salaries.
True visionary and inspirational leadership in a manager who truly cares about their people as people like Google seems to support if the data supports it is in very short supply in many US companies today.
Using data-driven decisions is an excellent strategy when numbers matter. He was hailed as a genius when he shorted the housing market and made billions in Extremes are always dangerous, and you fell in one of them.
Was Billy Beane just a lucky stock-picker? Wish the firms truly emulate the best of such people practices as applicable in the cultural and organizational context http: He invites you to read his recent book manuscript, From Old to Elderly:Big Data Baseball: Math, Miracles, and the End of a Year Losing Streak [Travis Sawchik] on bistroriviere.com *FREE* shipping on qualifying offers.
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Subaru Ascent Touring 7-Passenger
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I finally finished a wall hanging which will be a wedding gift. I got the idea from a posting on this board...Thanks to the lady (forgot her name) who inspired me! The couple are Irish and Cuban and will feature Guinness beer and cigars at their reception. I wasn't able to find cigar/beer fabric so used men's ties instead. This is my fist attempt at FMQ and I will definitely be doing it again.
So what do you think? I hope they like it! Patt


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Formal self-insurance is the deliberate decision to pay for otherwise insurable losses out of one's own money.[citation needed] This can be done on a formal basis by establishing a separate fund into which funds are deposited on a periodic basis, or by simply forgoing the purchase of available insurance and paying out-of-pocket. Self-insurance is usually used to pay for high-frequency, low-severity losses. Such losses, if covered by conventional insurance, mean having to pay a premium that includes loadings for the company's general expenses, cost of putting the policy on the books, acquisition expenses, premium taxes, and contingencies. While this is true for all insurance, for small, frequent losses the transaction costs may exceed the benefit of volatility reduction that insurance otherwise affords.[citation needed]
Copyright ©2011, D.R. Horton Insurance Agency, Inc. All Rights Reserved. These materials may not be copied for commercial use or distribution and may not be framed or posted on other sites. Coverage and credits may not be available at all locations or to all customers. This is to give notice that D.R. HORTON, INC., and its subsidiaries have a business relationship with D.R. HORTON INSURANCE AGENCY. The nature of this business relationship is that D.R HORTON INSURANCE AGENCY is directly or indirectly owned by the parent corporation D.R. HORTON, INC. Because of this relationship D.R. HORTON, INC. may receive financial or other benefit from your business. D.R. Horton Insurance Agency is a wholly owned subsidiary and affiliate of D.R. Horton, Inc. This site is governed by the Terms and Conditions & Privacy Policy of D.R. Horton, Inc. D.R. Horton Insurance Agency is licensed and will quote only in Alabama, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Louisiana, Maryland, Minnesota, Mississippi, Nevada, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Utah, Virginia, Washington, West Virginia and Wisconsin. Any information provided is only applicable to residents in those states. This web site and its contents are not to be considered a solicitation of insurance in any state other than those states in which the agency is licensed.
Upon termination of a given policy, the amount of premium collected minus the amount paid out in claims is the insurer's underwriting profit on that policy. Underwriting performance is measured by something called the "combined ratio", which is the ratio of expenses/losses to premiums.[25] A combined ratio of less than 100% indicates an underwriting profit, while anything over 100 indicates an underwriting loss. A company with a combined ratio over 100% may nevertheless remain profitable due to investment earnings.
Many institutional insurance purchasers buy insurance through an insurance broker. While on the surface it appears the broker represents the buyer (not the insurance company), and typically counsels the buyer on appropriate coverage and policy limitations, in the vast majority of cases a broker's compensation comes in the form of a commission as a percentage of the insurance premium, creating a conflict of interest in that the broker's financial interest is tilted towards encouraging an insured to purchase more insurance than might be necessary at a higher price. A broker generally holds contracts with many insurers, thereby allowing the broker to "shop" the market for the best rates and coverage possible.
In determining premiums and premium rate structures, insurers consider quantifiable factors, including location, credit scores, gender, occupation, marital status, and education level. However, the use of such factors is often considered to be unfair or unlawfully discriminatory, and the reaction against this practice has in some instances led to political disputes about the ways in which insurers determine premiums and regulatory intervention to limit the factors used.
1The Banking Benefits – Deposit Introductory program offers a high yield fixed Introductory Rate during the first 12 statement cycles after opening a new Consumer Money Market Savings account with State Farm Bank. A new Consumer Money Market Savings account means you cannot have an existing Money Market Savings with the same ownership currently open or which closed within the last 12 months. Your Benefit account balance must remain below $5,000,000 to earn the Introductory Rate. If the account balance is $5,000,000 or above, you will earn the Standard Rate on your entire balance. The new Money Market Savings must be a Personal or Trust account. IRA Money Market, Estate, Uniform Transfer to Minors, and Business accounts are NOT eligible.
One of the most common ways to lower your car insurance rates is by choosing a higher deductible. The deductible is the amount of money you must pay after an accident before your insurance kicks in. So, for example, if you are in an accident and there is $10,000 worth of damage done and your deductible is $1,000, you pay the $1,000 and your car insurance company pays $9,000. A higher deductible means less risk for your insurance company and lower rates for you. However, it also means that you need to have that much money on hand in case of an accident. If you go for a $2,000 deductible and don't have $2,000 available after an accident, you won't be able to get the repairs you need.
State Farm Bank, F.S.B. Bloomington, Illinois, is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and subject to investment risk, including possible loss of principal invested. Contact State Farm Bank toll-free at 877-SF4-BANK (877-734-2265).
The quote and application process was so fast and easy. I called my local office in Burleson. Both ladies I spoke to were extremely professional, quick to respond, and super friendly. Not only was the service great, they lowered my annual auto premium by $256. I am so glad that I made the call and look forward to doing business with Standard in 2015!
As it currently stands with Texas, in the event of an accident, there's a one in seven chance that the other driver won't be insured. Unless you've purchased uninsured/underinsured motorist (UM/UIM) coverage, that's money out of your pocket. Texas's minimum requirements also don't account for comprehensive coverage, which you'll definitely want to take into consideration, since the state ranks first for monetary losses from "catastrophes" like hail storms and hurricanes.
These are on the high side, but there are still instances in which they won't be enough to fully cover you. For example, if you accidentally hit a luxury car, replacing it could easily cost more than the $25,000 legal minimum for property damage coverage. If the other driver is injured, their medical bills could also exceed the $30,000 bodily injury minimum fairly easily. In each case, you'd be responsible for making up the difference yourself.
Insurers will often use insurance agents to initially market or underwrite their customers. Agents can be captive, meaning they write only for one company, or independent, meaning that they can issue policies from several companies. The existence and success of companies using insurance agents is likely due to improved and personalized service. Companies also use Broking firms, Banks and other corporate entities (like Self Help Groups, Microfinance Institutions, NGOs, etc.) to market their products.[30]
Travelers: Travelers is the second-best car insurance company. Travelers' customers report that they appreciate the customer service Travelers provides, and the company gets high marks for how it resolves its customers' claims. Travelers' lost a few points from customers who didn't feel like they got good value from the company, and Travelers' average annual rates are a bit higher than average among all companies on this list.
Claims and loss handling is the materialized utility of insurance; it is the actual "product" paid for. Claims may be filed by insureds directly with the insurer or through brokers or agents. The insurer may require that the claim be filed on its own proprietary forms, or may accept claims on a standard industry form, such as those produced by ACORD.
^ Anzovin, Steven, Famous First Facts 2000, item # 2422, H. W. Wilson Company, ISBN 0-8242-0958-3 p. 121 The first life insurance company known of record was founded in 1706 by the Bishop of Oxford and the financier Thomas Allen in London, England. The company, called the Amicable Society for a Perpetual Assurance Office, collected annual premiums from policyholders and paid the nominees of deceased members from a common fund.
A lot goes into an auto insurance rate quote, including your ZIP code, coverage levels, marital status, annual mileage, driving history and vehicle make, year and model. In most states, your gender and credit history are also used to determine rates. And again, the reason auto insurance comparison shopping is so important is because rates between companies are different for each person, too.
Accidental loss: The event that constitutes the trigger of a claim should be fortuitous, or at least outside the control of the beneficiary of the insurance. The loss should be pure, in the sense that it results from an event for which there is only the opportunity for cost. Events that contain speculative elements such as ordinary business risks or even purchasing a lottery ticket are generally not considered insurable.
Insurers will often use insurance agents to initially market or underwrite their customers. Agents can be captive, meaning they write only for one company, or independent, meaning that they can issue policies from several companies. The existence and success of companies using insurance agents is likely due to improved and personalized service. Companies also use Broking firms, Banks and other corporate entities (like Self Help Groups, Microfinance Institutions, NGOs, etc.) to market their products.[30]
After hearing the endorsements and praise on KLTY each morning about Standard Insurance, I decided to give them a call! As a teacher, I was covered under a "teachers only" insurance provider and did not think I could get my insurance any cheaper than it was. That was until I called Standard! I was absolutely blown away at my savings! They literally cut my auto insurance in HALF each month! Full coverage, affordable premiums, and amazing customer service! What a complete blessing they have been! Thank you Standard!
In July 2007, The Federal Trade Commission (FTC) released a report presenting the results of a study concerning credit-based insurance scores in automobile insurance. The study found that these scores are effective predictors of risk. It also showed that African-Americans and Hispanics are substantially overrepresented in the lowest credit scores, and substantially underrepresented in the highest, while Caucasians and Asians are more evenly spread across the scores. The credit scores were also found to predict risk within each of the ethnic groups, leading the FTC to conclude that the scoring models are not solely proxies for redlining. The FTC indicated little data was available to evaluate benefit of insurance scores to consumers.[58] The report was disputed by representatives of the Consumer Federation of America, the National Fair Housing Alliance, the National Consumer Law Center, and the Center for Economic Justice, for relying on data provided by the insurance industry.[59]
Crop insurance may be purchased by farmers to reduce or manage various risks associated with growing crops. Such risks include crop loss or damage caused by weather, hail, drought, frost damage, insects, or disease.[33] Index-based insurance uses models of how climate extremes affect crop production to define certain climate triggers that if surpassed have high probabilities of causing substantial crop loss. When harvest losses occur associated with exceeding the climate trigger threshold, the index-insured farmer is entitled to a compensation payment.[34]
Pollution insurance usually takes the form of first-party coverage for contamination of insured property either by external or on-site sources. Coverage is also afforded for liability to third parties arising from contamination of air, water, or land due to the sudden and accidental release of hazardous materials from the insured site. The policy usually covers the costs of cleanup and may include coverage for releases from underground storage tanks. Intentional acts are specifically excluded.
Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).
Gap insurance is insurance that may be required if you lease or finance a car. Gap insurance covers the difference between what your car is worth and what you owe on your auto loan should your car be a total loss in an incident. For example, let's say you have a car loan with a balance of $20,000, but your car is only worth $15,000. If it's totaled in an accident, your insurance will only pay out $15,000 and you will owe $5,000 to settle your loan. If you have gap insurance, that policy will pay the $5,000 to settle your loan balance.
Disability insurance policies provide financial support in the event of the policyholder becoming unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgage loans and credit cards. Short-term and long-term disability policies are available to individuals, but considering the expense, long-term policies are generally obtained only by those with at least six-figure incomes, such as doctors, lawyers, etc. Short-term disability insurance covers a person for a period typically up to six months, paying a stipend each month to cover medical bills and other necessities.
As it currently stands with Texas, in the event of an accident, there's a one in seven chance that the other driver won't be insured. Unless you've purchased uninsured/underinsured motorist (UM/UIM) coverage, that's money out of your pocket. Texas's minimum requirements also don't account for comprehensive coverage, which you'll definitely want to take into consideration, since the state ranks first for monetary losses from "catastrophes" like hail storms and hurricanes.
Progressive has a few notable features worth highlighting — chief among them is their Snapshot safe driving program. Snapshot is a discount program that uses a telematics device, which is a $5 word that essentially means transmission. Via a plug-in device or Progressive's mobile app, drivers can elect to track their driving and have the information transmitted back to Progressive to analyze. You will be rewarded with policy discounts for safe driving habits, like staying within the speed limit, maintaining low mileage, avoiding late-night trips, hard breaks and phone usage. Progressive advertises an average discount of $145 for those who complete the program, which typically takes around six months.
To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000.
Progressive has a slew of available discounts — including one for adding a newly licensed teen driver to your existing auto policy (surprising, given that teenage drivers are among the riskiest to insure). But a policy loaded with discounts isn't necessarily cheaper than a non-discounted policy, and the Texas Department of Insurance's data on premiums show that Progressive is, on average, the most expensive for young drivers among the top five in Texas.
Looking for an auto insurance agency near you? We're here to help! If you're the victim of a car accident, vandalism, or a vehicle break in; it's vital that you have the right insurance policy to protect your finances. In fact, if you're caught driving without auto insurance you can face severe fines and legal consequences. Our mission is to provide our customers with our best auto insurance that perfectly fits with their lifestyle, budget and car model.
However, their online quote process is not instant; instead, you'll fill out your personal information, your vehicle and the coverage you want. This information will be routed to a local AAA insurance agent to follow-up within one business day. Not every major insurance company operates with local agents, and many would rate this more personal touch as a plus in AAA's column.
Progressive has a few notable features worth highlighting — chief among them is their Snapshot safe driving program. Snapshot is a discount program that uses a telematics device, which is a $5 word that essentially means transmission. Via a plug-in device or Progressive's mobile app, drivers can elect to track their driving and have the information transmitted back to Progressive to analyze. You will be rewarded with policy discounts for safe driving habits, like staying within the speed limit, maintaining low mileage, avoiding late-night trips, hard breaks and phone usage. Progressive advertises an average discount of $145 for those who complete the program, which typically takes around six months.
Liability insurance covers you if you're in an accident deemed to be your fault. It will cover repairs to damaged property, as well as medical bills resulting from injury to the other driver and their passengers. Most states require at least a minimum amount of liability insurance, but it's a good idea to purchase extra protection if you can afford it.
In a best-case scenario, you'll never have to use your car insurance. After all, making a claim on your auto insurance means you've suffered some sort of loss, and no one wants that. However, going through life without ever having a fender bender or other damage to your car is unlikely. In some cases, you'll be making a car insurance claim after a harrowing experience, like a serious accident. After going through something like that, you want to be sure your insurance company isn't going to make things worse.
USAA maintains a strong financial standing and ranked the highest of our top picks with Consumer Reports and J.D. Power. This means you won't have to worry about settling up financially with the company, and you'll likely have a decent time maneuvering through its claims process. If you or anyone in your immediate family is an active or retired service member, you should definitely give USAA a call and get a quote.
Insurance may also be purchased through an agent. A tied agent, working exclusively with one insurer, represents the insurance company from whom the policyholder buys (while a free agent sells policies of various insurance companies). Just as there is a potential conflict of interest with a broker, an agent has a different type of conflict. Because agents work directly for the insurance company, if there is a claim the agent may advise the client to the benefit of the insurance company. Agents generally cannot offer as broad a range of selection compared to an insurance broker.
Insurable interest – the insured typically must directly suffer from the loss. Insurable interest must exist whether property insurance or insurance on a person is involved. The concept requires that the insured have a "stake" in the loss or damage to the life or property insured. What that "stake" is will be determined by the kind of insurance involved and the nature of the property ownership or relationship between the persons. The requirement of an insurable interest is what distinguishes insurance from gambling.
The insurance industry in China was nationalized in 1949 and thereafter offered by only a single state-owned company, the People's Insurance Company of China, which was eventually suspended as demand declined in a communist environment. In 1978, market reforms led to an increase in the market and by 1995 a comprehensive Insurance Law of the People's Republic of China[52] was passed, followed in 1998 by the formation of China Insurance Regulatory Commission (CIRC), which has broad regulatory authority over the insurance market of China.[53]
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.


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By Submitted Story on October 13, 2019
The National Park Service is asking for the public's help in connection with vandalism and theft at the Wright Brothers Monument in Kill Devil Hills.
The copper reproduction bust of Orville Wright, located at the foot of the monument, was stolen, and the heavy granite base that the bust was mounted to was toppled over and damaged either on the night of Oct. 12 or early in the morning on Oct. 13.
National Park Service Rangers and local law enforcement officials are investigating this crime. If you have information that could help solve this case, please contact the Dare County Community CrimeLine or the National Park Service's Investigative Services Branch (ISB).
You can Call or text the ISB Tip Line at 888-653-0009. Or go online at http://www.nps.gov/isb and click "Submit a Tip"
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Sadly, in this day and age, I'm thinking we're gonna need surveillance cameras at all of our venues. This entire island's economy thrives on tourism and we need to protect the assets. I can only assume this was the work of one of the tourists we'd all like to see banished form the Beach forever. God help his soul if it was a local.
I would not bet money on it being a tourist. If I'm wrong however, I will come back and admit it.
The police and judges need to be hard on these people. A slap on the wrist and probation won't do it.


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Post-Traumatic Stress Disorder (PTSD) Resources Post-Traumatic Stress Injury (PTSI) Here is a growing list of Organizations, VA Departments and U.S. Government Agencies who are all working together to create awareness of PTSD and find effective treatments that can help: Department of Veterans Affairs To provide a wealth of resources to our US Veterans, VA is made up of three branches,… Read more
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text: Wednesday with Goddard Contributed by Étienne Aubert Bonn on Mar 28th, 2017. Artwork published in 2016. Source: https://vimeo.com Nicolas Ménard, Nexux Productions. License: All Rights Reserved. A personal quest for spiritual enlightenment leads to romance and despair. Commissioned by Channel 4's Random Acts, and part of the second anthology of Late Night Work Club, "Strangers". Written, Designed & Directed by: Nicolas Ménard Pencil Drawings: Manshen Lo Sound & Music: David Kamp Producer: Claire Cook Executive Producers at Nexus: Charlotte Bavasso, Chris O'Reilly Assistant Producer: Rebecca Archer 2D Animation: Anne Lou Erambert, Claudio Salas, Sean Weston, Iris Abols, Nicolas Ménard 3D Animation: Michal Firkowski Additional Compositing: Andy Hague Additional Artworking: Alasdair Brotherston, Jean-Baptiste Aziere Voices: Denis Foley, Aneta Piotrowska Produced at Nexus Production Special Thanks to Joe Bichard & Greet Kallikorm Copyright Nicolas Menard & Nexus, 2016 License: All Rights Reserved. License: All Rights Reserved. License: All Rights Reserved. License: All Rights Reserved. License: All Rights Reserved. Typefaces Formats Film/Video (380) Topics Entertainment (688) Film/TV (815) Designers/Agencies Nicolas Ménard (2) Nexus Productions (1) Manshen Lo (1) Tagged withshort films (14)animation (65)Channel 4 (2)title sequences (152) Artwork location United Kingdom (1448) London (812) Post a comment Name Email – will not be published Website Your response Submit Comment More Triade in use Spider-Man Magazine restyling systemc. 2017Alberto LotContributed by Alberto Lot Oaktypec. 2016MaculaPaulo SimiContributed by Étienne Aubert Bonn Moving Festival2018Ayse SismanogluMar Tocado LloretContributed by Ayse Sismanoglu Staff Pick Sponsor More in Entertainment "Cyrk" (Polish circus poster)1970Jozef MroszczakContributed by Stephen Coles Pica Pic website2013HipopotamContributed by Nick Sherman Staff Pick Nancy Is Happy2012Jacob CoveyFantagraphicsContributed by Nick Sherman 13 – Black Sabbath2013Zip DesignContributed by Florian Hardwig Staff Pick More in Film/Video Cedar Rapids Main Titles2011Andy GoldmanContributed by Stephen Coles Looper billboard film prop2012Contributed by antrepo Shutter Island opening titles2010Big Film DesignContributed by Stephen Coles Heathersc. 1989Contributed by Jared Bozinko More Fonts In Use Inside Llewyn Davis newspaper ad2014unknownContributed by Stephen Coles Staff Pick The Story of Our Friend, the Fat Facec. 1826Paul RandHerbert BayerBruno MunariContributed by Jennifer Kennard Blog Error – The Art of Imperfection, Ars Electronica Berlin2018MOOI DesignContributed by Florian Hardwig Staff Pick Dictionary Stories by Jez Burrows2018CactuslabDan CassaroJez BurrowsContributed by Matthijs Sluiter Staff Pick


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Arely is a visiting PhD student from the University of Hidalgo State, Mexico with a BSc in Food Engineering and MSc in Food Science. Arely's research area is in gelatin´s edible films with antioxidant properties and functional food based on whey and hydrolyzed ovine collagen. While at CÚRAM, Arely will work on the extraction, purification and characterisation of proteoglycans and glycosaminoglycans from animal tissues under the supervision of under the supervision of Dr Dimitrios Zeugolis.
Mehmet Gürdal
Mehmet is a visiting PhD student from the Institute of Health Sciences, Ege University, Turkey. Mehmet's research area is on limbal epithelial stem cells (LESCs), corneal regeneration, cellular therapy and regenerative medicine. While at CÚRAM, Mehmet will be working on development of collagen-based films under the supervision of Dr Dimitrios Zeugolis.
Contact CÚRAM
+353 (0) 91 495833
Follow @curamdevices


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HVAC Technicians in Wasilla, AK
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When The Home Depot was founded in 1978, Bernie Marcus and Arthur Blank had no idea how revolutionary this new "hardware… More
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