Home Insurance In Harrisburg Pa Protects This Valuable Investment

byAlma Abell

Buying a home is a valuable investment and it is important to protect it. Home insurance in Harrisburg, PA protects the property from many natural disasters, theft, and fire. There are several levels of coverage options from which to choose. It is important to work with an insurance agency that works closely with their clients to build a policy that offers them the protection needed at an affordable rate. In addition to coverage for personal belongings, property loss, damage, and loss of use, this type of policy also offers liability coverage for accidents occurring at the home.

[youtube]http://www.youtube.com/watch?v=ZONhU__UjO8[/youtube]

The cost of the policy is based on what it would cost to replace the home and the contents of the home. The premium cost may also be lowered if the home includes a security system, fire sprinklers, or other safety features. Most policies are paid annually. The most basic policies cover damage due to hail, fire, windstorms, vandalism, lightning, smoke, aircraft or vehicle collision, and civil commotion. Additional coverage options are available for an added cost. An experienced agent helps their clients to decide which policy offers them the best coverage options. It is never a good idea to try to save money by being under-insured.

Most mortgage lenders require the buyer to purchase this type of insurance as a condition of their loan. This protects the bank in the event that the house is destroyed. They will be listed on the policy along with the homeowners. Many homeowners in the Harrisburg area choose to work with an experienced insurance agency such as Farnham Insurance. This agency has offered personalized services, affordable premiums, and reliability for the past 44 years. They offer much experience and knowledge in this industry.

A home is usually the largest investment that most people make during their lifetime, and it makes sense to properly protect this investment. This is why it is so important to choose excellent home insurance in Harrisburg, PA. Working with an experienced insurance agent is wise because they can explain the various levels of coverage in more detail. It is wise to select adequate coverage because this helps the homeowner to protect their investment.

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Canberra’s Sophie Lavers crowned Miss World Australia

Thursday, July 23, 2009

Sophie Lavers, a 24-year-old woman from Canberra, has been crowned Miss World Australia in Sydney. She defeated nineteen other finalists to take the prize and will represent Australia at the Miss World event in South Africa.

The entrants were judged based on several categories including best talent, healthy body image, sports and fitness and beauty with a purpose. An aspiring actress, she is completing an acting course and hopes to build a career in film and television. She is also a qualified fitness instructor and has worked as a Kings Cross waitress.

She has been described in the media as having an “amazing figure” and it has been rumoured that she has used this for modelling work. However, Lavers has said that her body has only been modelled for a good cause: “Some do think that, but I have only ever modelled for charity.”

She also doubts much will change for her, at least in the near future. “I’ll still get up and probably have peanut butter on toast for breakfast but after that I’m not sure what’s happening. I guess I won’t be going to work tomorrow.”

She explained that all the girls who entered were dedicated to making a difference. “I just think it’s like having little angels out there through the country helping in all different areas whether it’s with children, or blind people, or the homeless.” Lavers also complained that non-stop smiling for the event has left here mouth sore. “I’m not used to smiling for hours on end.”

Lavers is now set to head to Johannesburg for the December 12 global competition. “I’ve got to get a month of outfits ready and get a talent and another speech and everything. Oh goodness.”

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Schools benefit from new California budget

Saturday, July 1, 2006

California Gov. Arnold Schwarzenegger signed a bipartisan state budget Friday that invests a record $55.1 billion in education – an increase of $3.1 billion this year and $8.3 billion over the last two years – and allocates $4.9 billion to create a budget reserve and to pay down the state’s debt early.

Schwarzenegger credited bipartisan cooperation in coming up with a budget he was willing to sign, and do it on time, a rarity in recent California politics.

“It’s amazing what can be accomplished when Democrats and Republicans work together in Sacramento,” said Schwarzenegger. “I want to thank the legislative leadership – Senators Don Perata and Dick Ackerman, Speaker Fabian Nunez and Assembly Republican Leader George Plescia – for all their hard work on the budget. We put politics aside and were driven by the overwhelming desire to do what’s best for the people of California.

“I am especially proud that the budget expands preschool, and returns art, music and physical education classes to our children,” he said.

State Superintendent of Public Instruction Jack O’Connell said he is pleased by the budget. “The budget passed by the Legislature brings welcome support to education in California, making good on past debts to our schools and investing in sorely needed classroom programs,” he said.

He had his own budget favorites: “I’m particularly pleased that the budget includes increased funding for school counselors, teacher professional development, programs targeted to helping students pass the high school exit exam, and expanded and improved student nutrition programs.

“While there are some priorities over which we may disagree, I applaud the Governor and the Legislature for a budget that makes education a top priority.”

Barbara E. Kerr, president of the 335,000-member California Teachers Association, also likes the direction of the new budget.“The timely approval of the new state budget is good news for our public schools and students,” she said. “School districts and teachers can now plan ahead. The nearly six percent cost-of-living-adjustment will allow local schools to restore funding to education programs that have been cut over the past few years and provide for salary increases.”

Still, Kerr, said, the budget doesn’t go far enough. “This budget is a down payment on the debt owed to our schools. Teachers will continue to work with the governor and the Legislature to ensure repayment of the $3 billion still owed to our schools under Proposition 98 and the lawsuit settlement agreement announced last month. That money will help our schools of greatest need reduce class sizes, improve teacher training and increase parental involvement.”

How the budget affects the New Haven Unified School District and James Logan High School, or the James Logan Courier, specifically is not yet clear.

State Treasurer Phil Angelides, who is running for governor against Schwarzenegger, liked the increased education funding, and praised his fellow Democrats in the legislature for that, but criticized the entire budget for being out of balance.

“On higher education, Democrats in the Legislature did the right thing, when the governor would not, and gained a $6 per unit rollback in community college fees,” he said in a statement. “That is a start. But the governor’s budget will still leave community college fees nearly double what they were just three years ago. And the budget will also leave untouched the fees at CSU and UC, which have increased by $2,000 and $5,000 respectively under Governor Schwarzenegger.”

Missing from the budget, Angelides said, is funding to expand health care for low-income children. Schwarzenegger “failed to get members of his own party to agree to a budget that funds health care for more kids from low-income families on the Healthy Families program regardless of the families’ immigration status. Compassion requires – and intelligent public health practice demands – that all people residing in California have access to adequate health care,” Angelides said.

Schwarzenegger credited a strong economy that increased state revenues for providing the cash to cover the increased expenditures and set aside a $2.1 billion reserve and an additional $2.8 billion for debt prepayment. Included in that is $1.42 billion for repaying borrowed funds earmarked by the voters for transportation projects aimed at reducing traffic throughout the state. The early debt payment and the reserve account for nearly 4.7 percent of the overall budget – the highest in 25 years.

Still, Angelides said, the budget is out of balance and the state is running up more debt. “Despite his repeated pledges to ‘cut up the credit card’ Governor Schwarzenegger has produced a budget that still leaves a $3.3 billion structural budget deficit for 2006-07 and more deficits for years to come,” Angelides said, “It is a budget thatwill continue to shift the burden of today’s deficits onto the backs of futuregenerations.”

The budget largely mirrors the May Revise, which has since prompted all three Wall Street credit rating agencies to upgrade the state credit rating, reducing the cost of state borrowing. One of the agencies, Fitch, Inc., cited “California’s continuing economic recovery, strong revenue performance and continued progress in reducing fiscal imbalance” when upgrading their rating on the state’s general obligation debt from A to A+ last month. Standard and Poor’s also raised its rating from A to A+ in May. Moody’s Investors Service raised its rating from A2 to A1 the same month.

Despite the improved credit ratings, Angelides said, the three rating agencies still have reservations about the state’s fiscal future. The agencies “have corroborated my warning and that of the Legislative Analyst that while state revenues have improved, California’s fiscal condition will remain insecure until the state produces balanced budgets,” he said.

Highlights of AB 1801, the Budget Act of 2006 by Assembly member John Laird (D-Santa Cruz), include:

Preschool through High School Education – The budget includes $100 million for the Governor’s targeted preschool initiative, which will make preschool available to every four year old living in a low-performing school district. $50 million of this funding will be used to build and improve preschool facilities. The budget also includes $645 million to fund physical education, arts and music programs. Overall, $11,264 will be spent on each student, an increase of $516 from the current year.

Higher Education – The budget allocates $19.1 billion from all sources for higher education and eliminates tuition and fee increases at UC and CSU. California, which already has the lowest community college fees in the nation, will further lower student fees from $26 per unit to $20, effective Spring 2007.

Law Enforcement – The budget includes an additional $196 million to support law enforcement efforts, including money to fund Sexual Assault Felony Enforcement teams, 500 GPS devices to track and monitor the highest-risk parolees and four new Gang Suppression Enforcement Teams. The budget also proposes the addition of 235 California Highway Patrol positions, includes $56.4 million to replace the CHP’s existing radio system and allocates $6.4 million to handle the increasing number of wireless 9-1-1 calls. Additionally, the budget includes a $20 million investment to strengthen efforts to fight methamphetamine trafficking and $6 million to create three new California Methamphetamine Strategy program teams.

Disaster Preparedness – The budget provides $220 million to enhance California’s ability to prepare for, mitigate and respond to emergencies, including money to strengthen public health response during a disaster. This includes preparations to prevent a pandemic influenza outbreak and expanding efforts to help local governments develop disaster preparedness plans.

Public Health – The budget includes $22.6 million for counties to perform outreach and enrollment activities to reach the 428,000 children who are eligible for Medi-Cal or the Healthy Families program but are not enrolled. The budget for the Healthy Families program also covers enrollment growth for 78,200 additional children.

Transportation – In addition, the Budget makes a substantial investment in improving California’s transportation system. It provides $1.4 billion to fully fund Proposition 42 for the second consecutive year, and it provides an additional $1.4 billion for the early repayment of past loans from Proposition 42, for a total of $2.8 billion. Of the $1.4 billion repayment, $440 million is designated for cities and counties for local road and street maintenance that would otherwise not be funded.

The budget is the first on time budget since 2000 and the fourth in the last 20 years. The 2006-07 budget’s general fund is $101.3 billion and total is $131.4 billion. For a more detailed overview of the budget, please visit www.dof.ca.gov.

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One dead after bus and bicycle crash in Hampshire, England

Monday, July 19, 2010

A person has died after being involved in a collision between a bus and a bicycle in Hampshire in the south of England, United Kingdom. The woman, who has not been publicly identified, was cycling in the seaside resort of Southsea when a number 700 Stagecoach single-decker bus, which was travelling from Brighton to Southsea, collided with her bicycle at approximately 1315 BST (1215 UTC) on Saturday. A helicopter transported the woman to Southampton General Hospital, where she died at approximately 1630 BST (1530 UTC) on the same day.

None of the occupants of the bus were injured. The 53-year-old bus driver has now been arrested on suspicion of causing death by dangerous driving. Hampshire Constabulary is requesting any witnesses to the accident to contact them. PC Phil Hunt also mentioned: “We are also trying to trace the passengers, who left the scene before we could speak to them.”

The road traffic accident occurred in an area where Portsmouth City Council had been intending to place a new cycle route, but the plans to do so were cancelled last week. The plans, which would have cost £250,000 (US$382,373, €296,481, A$441,126), were said to have been cancelled due to financial difficulties.

Portsmouth Cycle Forum vice chair Jon Spencer has stated: “Sadly, we’ve had to wait less than a week for a brutal illustration of why we need this cycle route.” The vice chair of the local cycling group continued: “The road at Clarence Pier is very narrow, very crowded by parked cars and very busy. It is the most popular part of the seafront but at the moment it is a no-go area for cyclists. The city council are obviously happy for this to remain the case.”

This terrible accident is yet another reminder that large vehicles, busy traffic and cyclists are not a happy mix.

John Holland, the chair of the Forum, wrote on PompeyBUG, a local cycling Internet forum: “Portsmouth Cycle Forum is very sad to learn of the death in a road accident of a woman cyclist at Clarence Esplanade on Saturday 17 July. Our thoughts lie with her family and friends to whom send our deepest condolences. The cyclist was involved in collision with a bus in the vicinity of Pier Road and Clarence Esplanade, close to Clarence Pier.

“This terrible accident is yet another reminder that large vehicles, busy traffic and cyclists are not a happy mix. Whilst it will be some time before the details are made public, we urge the Portsmouth City Council to press ahead with making this section of our seafront much safer and calmer for all. Almost exactly one year ago, a cyclist was seriously injured Clarence Esplanade when a car reversed blindly from a parking bay into the road.

“Portsmouth City Council is on the verge of postponing Phase 2 of the Southsea Seafront Cycle Route. Had this been in place yesterday then this awful incident might have been avoided. We urge councillors to think again. A safe and segregated cycle route can be built – one which doesn’t loose any car parking, one which doesn’t stop people looking out to sea from their cars, one which doesn’t involve cycling on the promenade. We will be pushing hard for this – we don’t want any more injuries and fatalities on our seafront roads.”

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Los Angeles commuter train collides with freight train; over two dozen killed

Saturday, September 13, 2008

At least 25 people have been killed and many more injured when a Metrolink commuter train collided yesterday afternoon with a Union Pacific freight train in the Chatsworth district of Los Angeles. Around 250 firefighters have responded to the accident scene.

Estimates are that 350-400 people were on the number 111 commuter train which departed from Los Angeles’ Union Station at 3:35pm PDT. The collision occurred on Friday at about 4:25pm PDT on Metrolink’s Ventura County Line. The area in which the crash took place is hilly and contains a single track; it is just north of the Chatsworth Metrolink station.

The force of the collision sent the locomotive of the Metrolink train to penetrate deep into the lead bi-level passenger car of the three-car train. The collision then knocked the Union Pacific and Metrolink locomotives on their side along with the lead passenger car.

This is the worst accident I’ve ever seen. Clearly the injuries are going to mount and so are the fatalities.

According to various sources, upwards of 10-15 passengers, possibly even more than 20, have been killed, including a Los Angeles Police Department (LAPD) officer. The LAPD has not released the name of the officer. The engineer of the Metrolink train is believed to be another of the fatalities.

The number of injured is believed to be 135, although the precise number is still unclear. According to emergency responders, the injured have been transported to Los Angeles area hospitals, including the University of California, Northridge Hospital Medical Center, Providence Holy Cross Medical Center and Huntington Hospital.

“This is the worst accident I’ve ever seen. Clearly the injuries are going to mount and so are the fatalities,” Mayor of Los Angeles, Antonio Villaraigosa, said.

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It is unclear how the accident occurred. Some of the possibilities include a signal malfunction, a failure by a crew member to notice a signal or a lapse in protocol for moving trains safely in the area. According to Metrolink and the Los Angeles Times, the National Transportation Safety Board has a team on scene and is investigating.

In an apparently unrelated incident less than an hour after the crash in Chatsworth, another Metrolink train collided with a car in Corona, California, killing the female driver of the automobile.

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New Zealand’s state broadcaster plans to dismiss 160 workers

Tuesday, February 27, 2007

The state broadcaster of New Zealand, Television New Zealand (TVNZ), has announced its plans to fire at least 160 people because they have falling revenue, mainly from their NZ$9.3 million advertising loss.

A memorandum, or “memo”, was circulating the 1,100 employer, TVNZ yesterday from CEO, Rick Ellis, which stated that their “guesstimate” of job losses was around 130-160. 50 of the job losses will be from the news and current affairs department, where a total of 350 people currently work. The numbers are not set in stone, according to a spokesperson for TVNZ.

The lay-offs have been expected since late last year where he announced it to a parliamentary select committee.

The union which represents some of the staff working at TVNZ, Engineering Printing and Manufacturing Union, said that some of the staff are asking themselves how TVNZ will be able to start and manage the new digital 24 hour news channel with fewer staff. They are seeking to talk to TVNZ.

In two weeks time, staff will be asked what they think of the proposed changes, which also includes a top level management restructuring.

Steve Mahery, broadcasting minister, said, “The restructuring of TVNZ is an operational issue, and I expect they’ll meet their charter requirements. How they structure the company to achieve this is entirely up to them.”

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How Natural Appetite Suppressant Controls Appetite And Reduces Fat

By Sara Palmer

Natural appetite suppressant is winning against fat blockers and binders. African Mango Plus would have been the best choice if only it came at an earlier date. Anyone can get these in the drugstore, supermarkets, malls, and in pharmacies. While some needs a doctor’s prescription, some are over the counter. Many of these OTC pills contain toxic chemicals, which are harmful, to the body, and it has no scientific evidence of their claim.

Some diet pills guarantee to reduce fat in just a few days only, but many people are aware that this is dangerous, and if it does, it would cause serious health risks. There is a recent report of the pills were restricted because the US health authorities received so many complaints of adverse side effects. Before buying any appetite suppressant diet pills, do a little investigating first just to be certain.

What does a natural appetite suppressant do?

There is, however, a most effective natural appetite suppressant in the market today. It does not guarantee rapid weight loss in a short time but guarantees fat reduction at a normal pace and safer way. It is best to check out the labels to verify its contents. The fat blockers and binders play tricks on the brain to disrupt the chemical signals in order to hamper the appetite. This type of effect destroys the natural harmony of the body. So choose an effective appetite suppressant diet pills.

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How does it control appetite and reduce fat?

African Mango Plus, however, does not do tricks but promotes natural fat reduction process of the body. The diet product promotes high levels of hormones that control appetite and keeps a normal body mass index. Leptin is the hormone in question, and it is a naturally secreted by the adipose tissues that do wonders to the body. Obese people may have none or little Leptin in their body, which is the main reason why they binging. The natural appetite suppressant obliterates stored fats in the target problem areas of the body including thighs, legs, waist, and flatten belly.

Exclusively formulated appetite suppressant diet pills for lasting effect

Speaking of natural appetite suppressant, as the term suggests works naturally which restores the body’s natural state and health. Now, any woman can have a normal body mass index, naturally and steadily. It contains 100% ingredients that are clinically studied and tested. It has EGCG, an active and potent compound exclusive to green tea, green tea extracts, a little Caffeine, L-Theanine, and Chromium. Not only has it suppressed the appetite it also offers ample protection from the disorders obesity imparts. Obese people seem to have remarkably little Leptin, so the supplement encourages its production to reduce fat and do other essential benefits.

Leptin increases the body’s metabolic rate so that food can be converted into usable energy. The effect is higher energy levels and a slimmer body. African Mango Plus has ingredients to protect the body from certain cancers, free radical, atherosclerosis, and heart diseases. So now a woman can have the choice to have the most effective, natural appetite suppressant, so decide now and see what it can do.

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Dell joins Microsoft-Nortel VoIP Team

Saturday, October 20, 2007

Dell Inc. announced on Tuesday that it will partner up with the Microsoft-Nortel Innovative communications alliance (ICA) team to sell Unified Communications and VoIP products.

The announcement on Tuesday the 16th of October 2007 includes Dell selling VoIP, data and wireless networking products from Nortel and the Microsoft Office Communications Server 2007 and other unified communications products.

The partnership with both manufacturers should allow Dell to provide a pre-integrated solution.

In March 2007, competitors IBM and Cisco announced they would join in the competition for developing unified communications applications and the development of open technologies around the unified communications and collaboration (UC2) client platform an application programming interfaces (APIs) offered by IBM as a subset of Lotus Sametime.

“We want to make it simple for our customers to deploy unified communications so their end users can get access to all their messages in one place – whether its e-mail, phone or mobile device. This will pave the way for more business-ready productivity tools,” said vice president of solutions, Dell Product Group, Rick Becker.

  • Customers have four options:
    • Core Office Communication Server 2007 – provides instant messaging and on-premise Microsoft Live Meeting.
    • Office Communication Server: Telephony – enables call routing tracking and management, VoIP gateway and public branch exchange (PBX) integration.
    • Audio and Video Conferencing – allows point-to-point conference, video conference and VoIP audio conference.
    • Exchange Unified Messaging – provides voicemail, e-mail and fax in Microsoft Outlook, and anywhere access of Microsoft Outlook Inbox and Calendar.
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Wikinews Shorts: April 1, 2007

A compilation of brief news reports for Sunday, April 1, 2007.

Contents

  • 1 Nepal: Former rebels join government; elections set for June
  • 2 Russia bans foreigners from retail sales jobs
  • 3 Google TiSP April fools joke
  • 4 Iranian students protest outside British embassy in Tehran

Five former Maoist rebels were sworn in as ministers as part of a peace pact designed to end a decade-long insurgency that has killed more than 13,000 people in Nepal. The new government has announced assembly elections for late June, 2007. Thereafter, the new assembly is due to write a new constitution for the Himalayan nation.

Related news

  • “Nepal civil war ended by peace deal” — Wikinews, November 21, 2006

Sources


Under a new law that went into effect today, non-Russians will not be allowed to work as salespeople in shops and markets. The ban was presented by Vladimir Putin as a way of improving employment prospects for Russian citizens. Russian media warns that it will increase the labor costs for retailers and drive up inflation. The Federal Migration Service, a government agency, reported nearly full compliance in Moscow.

Sources


Today, Sunday, Google “released” their Google TiSP service. This April Fool appears on their homepage as “New! Get FREE breakthrough broadband with Google TiSP (BETA).” This directs you to a page with details of Google’s TiSP package, a package that will give you broadband after you flush a fiber-optic cable down your toilet. Google issued a press release at midnight on April 1st, 2007.

Sources

External links


Between 100 and 200 students gathered outside the British embassy in Tehran to protest the alleged incursion into Iranian waters by the Royal Navy.The protesters threw rocks, chanted “Death to Britain” and called for the expulsion of the ambassador. Police prevented the protesters from entering the compound.

Sources


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Wikinews interviews Mike Lebowitz, Chairman of the Modern Whig Party

Monday, October 13, 2008

In the United States, there are two major political parties; the Republican and the Democratic. However, there are several other minor – commonly referred to as “third” – parties. One of these is the Modern Whig Party, which has been steadily increasing in popularity over recent months.

Last week, Wikinews reporter Joseph Ford was able to speak with MWP Chairman Mike Lebowitz about how his party was formed, what it stands for, and why you should consider joining. The interview can be read below.

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