Purchasing Insurance: More Than Just Money Peter Konig Art

Oct17

Life Insurance Pearl MS There are more cars and drivers hitting the road every year. With so many cars on the road, crashes will happen. The difference between a small aggravation and major obstacle can be car insurance. How can you decide what insurance you require and how to buy it? Auto insurance protects you by paying for damage caused to your car or another person?s car and injury to others, yourself, or your passengers, and specific other occurrences, such as theft. Every state and province requires auto insurance by law. Without insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen.It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal injury protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also pay for lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical payments: This coverage is available states that are not considered no-fault; it pays regardless of who may have been at fault. It pays for an insured person?s reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate your needs, do your research and with the guidance of your insurance agent make the decision that best suits you. Long term care in Mississippi

Source: http://peterkonigart.com/purchasing-insurance-more-than-just-money-9/

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eBay?s Q3: Thanks To Marketplace And PayPal Growth, Revenue Up 15 Percent To $3.4B

eBay just released Q3 earnings this afternoon, reporting earnings per share of $0.55 on revenue of $3.4 billion. Analysts expected EPS of $0.54 and revenue of $3.4 billion for Q3 2012.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/XAUzM7oTmv8/

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Getting Education International

Education International

Not just can be company important here in the U.S., nevertheless individuals need enterprise schooling throughout some other nations around the world to grow worldwide economic climates. Business are a universal industry which impacts anyone in a few respect, so every person justifies an opportunity to learn and also acquire degree available industry.

Studying clients are essential to the prosperity of numerous nations. The harder who are knowledgeable in organization and also have a great understanding of the subject, the greater a nation can easily reach your goals in the global economic system. Today a small business education is now easier to obtain. With web applications, men and women of all the area of the entire world can login, become a member of courses and obtain their own amount faster than ever.

The growth associated with technological innovation and the web has enabled the best way to to have the levels they want. Consequently, in the business entire world, far more college students are increasingly being informed throughout the world as a result of net and so are becoming enterprise frontrunners inside their country. The internet has increased schooling completely and permitted several to get a college degree whom might not otherwise. Hook up with the net, communicate in classes on the web and soon you have a degree with you.

Programs presented on the internet are totally accredited and are sent simply by top quality teachers. College students fail to work with a alternative party organization, instead, that they are employed in course reference to a university and possess the suitable environment to master in. Being a a part of a college permits the pupil to cultivate by means of increased communication along with professors and also other students. A lot of students need a proper room regarding understanding and internet based instructional classes include this kind of area of pursuit, studying along with buying of understanding.

College students will likely uncover classes online to be less expensive when compared with classic instructional classes. Service fees as well as other fees a college generally expenses aren?t contained in online educational costs. Affordable courses enable a lot more college students around the world to get the education they really want. You don?t need to maintain the United States to obtain quality education and learning. Subscribe, consider instructional classes around the world as well as obtain the degree you would like no matter where you need. Which is the power the web.

Source: http://www.lorraineeakin.com/getting-education-international.html

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Pirate fishermen 'export to EU'

11 October 2012 Last updated at 05:36 ET

The vast majority of pirate vessels illegally fishing off Sierra Leone are accredited to export their catches to Europe, an environmentalist group says.

A report by the Environmental Justice Foundation says West Africa has the highest levels of illegal fishing in the world.

Its says pirate fishermen fish inside exclusion zones, attack local fisherman and refuse to pay fines.

The UK-based campaign group has called for such vessels to be blacklisted.

It urges that weaknesses in EU regulations be addressed to stop illegal fish entering Europe.

"The EU is relying too heavily on the assurances of flag states that plainly are not monitoring their fishing fleets in West Africa," said EJF Executive Director Steve Trent.

"Authorities inspecting fish in European ports have very little reliable information on what is happening in the areas where it is caught.

"We must urgently improve communication between the EU and coastal States if we are serious about ending pirate fishing and protecting some of the world's most vulnerable coastal communities."

'Out of control'

The EJF's 36-page report - entitled Exposing Pirate Fishing: The Fight Against Illegal Fishing in West Africa and the EU - documents "rampant pirate fishing in Sierra Leone and laundering of the illegal catch into the European seafood market by vessels accredited to export fish to the EU".

Continue reading the main story

Case study

Tamasin Ford BBC News, Tombo fishing town

---

Amadou Kamara, the Master Fisherman of Sierra Leone, looks out from his porch as the fishermen bring in the morning's catch.

It has not been a fruitful night; some have nothing to offer the market today. "Illegal fishing affects our livelihoods," he says in his native Krio as people bustle and barter along the harbour below him.

The elderly man, clothed in a long country robe has been fishing the seas since 1942. He says he doesn't know his exact age, but with a smile declares he has seven wives and 47 children; fishing is their livelihood.

He sees what the illegal trawlers are doing to their community. "When they [trawlers] catch these small fish, instead of throwing them back into the water they just destroy them and put them in the water," he says.

Mr Kamara is worried about the trawlers "destroying the hatcheries" by coming too close to land and is calling on the government to "drive [away] these people who bring in badness from the neighbouring countries."

"Despite the EU regulation to prevent, deter and eliminate illegal, unreported and unregulated fishing, evidence collected on 10 vessels believed to account for the majority of reports revealed that nine are accredited to export their catches to the EU, the world's most valuable import market for fish," says the report.

It found pirate fishing vessels were out of control:

• Refusing to pay fines
• Covering their identification markings
• Using banned fishing equipment
• Transhipping fish illegally at sea onto large refrigerated cargo ships destined for East Asia
• Refusing to stop for fisheries patrols
• Bribing enforcement officers
• Fleeing to neighbouring countries to avoid sanctions
• Committing labour violations
• Using flags of convenience (bought from a country that lacks the ability or willingness to monitor activities)

The evidence of illegal activity collected through what the EJF called its "community surveillance project" has been sent to the governments of Sierra Leone and South Korea, as well as the EU.

The report quotes Victor Kargbo, head of Fisheries Enforcement in Sierra Leone, as saying a corner had been turned in the fight against poachers in Sierra Leone, but that efforts must be co-ordinated to prevent "unscrupulous operators" simply relocating and continuing their activities elsewhere.

"The EU can play a crucial role in deterring illegal fishing by making sure all fish entering has a catch certificate, but they should only accept imports from flag States that monitor their fleets properly," he said.

Sierra Leone's Minister for Fisheries and Marine Resources Soccoh Kabia told the BBC that: "This is a problem that has affected us for many years now and and has had serious repercussions for us as a people in terms of economic consequences as well as threatening our food security."

But he said that those fishing illegally should not think they can get away "scot free because one of these days we're going to get you and you'll pay for it".

West African waters have the highest levels of illegal, unreported and unregulated fishing in the world, representing up to 37% of the region's catch, says the report.

It reported 252 cases of illegal pirate fishing by industrial vessels in inshore areas over an 18-month period.

In addition, the EJF said 90% of the pirate vessels it investigated in West Africa were bottom trawlers "which devastate marine environments by dragging heavy trawl equipment along the seabed".

Global losses from pirate fishing were estimated to amount to $10-$23.5bn (?6-15bn) each year, said the EJF.

Source: http://www.bbc.co.uk/news/world-africa-19905709#sa-ns_mchannel=rss&ns_source=PublicRSS20-sa

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Curiosity Rover Resumes Eyeing 1st Scoop of Mars Dirt

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MCA AGM ? Oct 20th

Visit the website for information about 2012 games. For MCA members only:

Sell or purchase a home or refer a friend, family member or colleague to sell or purchase a home through Shelley Barnett or Brett Poncelet of Century 21 Bachman & Associates to Win a free iPad!

Contact:

Shelley Barnett (204-803-6855) or Bret Poncelet (204-232-6699)

Source: http://mbcycling.ca/?p=6903

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Nobel Physics Prize awarded to photon-detecting quantum pioneers

French physicist Serge Haroche and American physicist David Wineland shared the 2012 Nobel physics prize for their work on quantum optics.

By Clara Moskowitz,?LiveScience Senior Writer / October 9, 2012

French physicist Serge Haroche (left) and American physicist David Wineland (right) shared the 2012 prize.

Copyright ? The Nobel Foundation

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Two physicists have won this year's Nobel Prize in Physics for opening up the quantum world with experiments that probe the relationship between light and matter.

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French physicist Serge Haroche and American physicist David Wineland shared the?2012 Nobel physics prize?for their work on quantum optics. The prizes were announced in Sweden today (Oct. 9) just before 6 a.m. EDT (noon in Sweden). The awards will be presented there on Dec. 10.

"It's really overwhelming," Haroche said via phone during the Nobel committee's press conference announcing the prizes, adding that his first reaction was to call his children. [In Photos: Nobel Prize Winners 2012]

Haroche is a physicist at Coll?ge de France and Ecole Normale Sup?rieure in Paris. He developed a technique to capture individual particles of light, called photons, by bouncing them back and forth between mirrors.

"They have been able to?detect photons?without destroying them. This is very hard to do," one of the Nobel Prize committee announcers said.

Wineland, based at the National Institute of Standards and Technology (NIST) and the University of Colorado-Boulder, pioneered a method to probe charged atoms (ions) with laser photons.

"David Wineland has achieved extraordinary control over the states of an ion," another Nobel committee member said.

His discoveries have led to the development of one of the most precise clocks ever made, and could mark the first steps toward building a quantum computer, which would use tiny quantum systems to make calculations much quicker than normal computers.

"Serge Haroche and David J. Wineland have independently invented and developed methods for measuring and manipulating individual particles while preserving their quantum-mechanical nature, in ways that were previously thought unattainable," Nobel officials wrote in a statement.

The two researchers have taken different tacks to study some of the same phenomena, and their work is complementary, Nobel officials said. They will share the 8 million Swedish kronor prize ($1.2 million).

Both physicists were informed of their win this morning. "I was walking with my wife," Haroche said of getting the call. "When I saw the [Swedish] area code, then I sat down." He said he planned to celebrate the honor with some lunchtime champagne, and then go back to the office.

The call came to Wineland in Colorado in the middle of the night.

"I was sleeping and my wife got the call and woke me up," Wineland told a Nobel Prize interviewer during a recorded call this morning. He called the news "a wonderful surprise of course. Just amazing."

"We probably won't go back to sleep for a while," he added.

You can follow Clara Moskowitz on Twitter @ClaraMoskowitz?or LiveScience?@livescience. We're also on?Facebook?&Google+.

Source: http://rss.csmonitor.com/~r/feeds/science/~3/FjuwL-AuLkY/Nobel-Physics-Prize-awarded-to-photon-detecting-quantum-pioneers

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