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State Farm Insurance allegedly destroying papers

Tuesday, April 11, 2006

Zach Scruggs, a lawyer for United States Senator Trent Lott, says that State Farm Insurance Company is destroying records related to claims for damage from Hurricane Katrina.

The records allegedly contain information saying that State Farm fraudulently denied insurance claims made by its policy holders, including Lott, that had homes there were damaged or destroyed when Hurricane Katrina came ashore on the Gulf Coast.

Scruggs said that Lott has “good faith belief” that many employees of the insurance company in Biloxi, Mississippi are destroying engineer’s reports that were inconclusive as to whether or not water or wind was the main cause of damage to the buildings affected by the hurricane.

Lott is among thousands of home and/or business owners who had their property damaged or destroyed during the hurricane and had their claims denied because State Farm claimed that their policies don’t cover damage caused by floods or water that was driven by the wind.

State Farm has not issued a statement on the matter so far.

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Electric Double Ovens What’s All The Fuss About?

Submitted by: Mark Thomas Walters

Nowadays every modern kitchen needs an oven of some sort. There are not too many kitchens out there that don’t have an oven. Every kitchen deserves a good oven. The choices and options are almost endless and there is huge variety, such as stove ovens, gas ovens, built under double oven, range cookers, single ovens and of course electric double ovens to name a few. Selecting an oven that suits your kitchen and needs will depend on several things, such as size, kitchen style and of course what you will use it for.

For example, a range cooker or arga type oven would not look right in an ultra modern kitchen, these style of cookers are a better fit in cottage type kitchens. Range ovens normally come with a single, double oven and a grill, they can be very large as they are a single unit with several hob rings on top. The single unit type cookers have an older look which in contrast is very different to modern integrated electric cookers.

If you have a new kitchen, or a modern style kitchen, then we recommend looking into an electric double oven.

There are many different types of double ovens, there is the one and half oven, which provides a full oven and then a smaller oven/grill. Other options are available, such as two full double ovens which include grills and fan to evenly distribute heat. Deciding on the right oven is very important, one key point to consider is size and this will need to be based on the amount of cooking you will be doing. For a sizeable family, where you may need to use the oven regularly and cook larger quantities, then the large dual oven would be a good choice.

What s the difference between a kitchen electric double oven and a gas double oven?

[youtube]http://www.youtube.com/watch?v=XKwKO7krSZE[/youtube]

I know silly question, obviously one runs off Gas and the other from electricity. Electric double ovens provide extra functions that are not available in gas ovens. Nowadays, electric ovens are the most popular when it comes to integrated style ovens. They have a huge amount of functionality, such as

Fan Oven – This type of oven has an actual fan, normally at the back, which moves the warm around the oven ensuring a consistent temperature.

Pizza Oven – This works at a very high temperature, this is to simulate the type of ovens used in pizzerias.

Conventional Oven – This works in the same way a standard oven, with the heat element being at the bottom with the heat rising up to the upper part of the oven.

And there are many more, these are just some of the functions provided by electric double ovens. In terms on whats on offer, well there are a huge amount on offer, there are varying styles and plenty of makes. See below for some makes:

-Smeg double oven

-Belling electric double oven

-Aeg double ovens

-Neff double ovens

-Zanussi double oven

Finding a top deal and comparing functionality and prices is easy, especially if you search around online.

About the Author: There is a wealth of information on the internet, a good place to start which covers great info on double ovens, then got to

built in double ovens

. This site covers a range of information, including

electric double ovens

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=516858&ca=Home+Management

Massachusetts to set up “village” for Katrina evacs

Wednesday, September 7, 2005

The US state of Massachusetts is turning a portion of Camp Edwards, an active Cape Cod military base, into a “village” for 2,500 evacuees of Hurricane Katrina, as part of Operation Helping Hand.

The temporary shelter on the Massachusetts Military Reservation will have a population the size of Truro, Massachusetts and will include an active mayor and a system of government that will be like a town council

However, the shelter will face security demands different from the fifteen Cape towns because Cape Edwards is an active base used for training exercises. Security will be overseen by the Massachusetts National Guard, with help from the Massachusetts State Police and the County Sheriff’s office. Massachusetts Governor Mitt Romney stressed that he wanted to give it a comfortable, non-hostile atmosphere.

Upon touching down at Otis Air National Guard Base, Massport officials will issue identification cards, create case files for them and ask the evacuees to provide personal information which will go into to a database to be shared with other states that are taking evacuees.

The agencies that will be on hand are, the Massachusetts Emergency Management Agency, the American Red Cross and the Salvation Army. These agencies will coordinate volunteers, who must commit themselves to five days of volunteer efforts, and they must be able to transport themselves to the camp. Romney has asked for donations from the community.

Evacuees will be assigned housing by groups. There could be barracks for single men, another for single women, and then space for elderly and families with children. Visitors will not be allowed.

The school superintendent for the township of Bourne, Ed LaFleur, will work on enrolling the children of evacuees into Cape Cod schools. Romney met yesterday with leaders of the Blake Churches Alliance who will make available chaplains and counselors for the evacuees.

Romney spent Monday night asking for the State House to pass a $25 million emergency spending bill to pay the initial costs of the facility.

The arrival time of the evacuees has been postponed, for unknown reasons.

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Seeds placed in Norwegian vault as agricultural ‘insurance policy’

Wednesday, February 27, 2008

The Svalbard Global Seed Vault, a vault containing millions of seeds from all over the world, saw its first deposits on Tuesday. Located 800 kilometers from the North Pole on the Norwegian island of Spitsbergen, the vault has been referred to by European Commission president José Manuel Barroso as a “frozen Garden of Eden“. It is intended to preserve crop supplies and secure biological diversity in the event of a worldwide disaster.

“The opening of the seed vault marks a historic turning point in safeguarding the world’s crop diversity,” said Cary Fowler, executive director of the Global Crop Diversity Trust which is in charge of collecting the seed samples. The Norwegian government, who owns the bank, built it at a cost of $9.1 million.

At the opening ceremony, 100 million seeds from 268,000 samples were placed inside the vault, where there is room for over 2 billion seeds. Each of the samples originated from a different farm or field, in order to best ensure biological diversity. These crop seeds included such staples as rice, potatoes, barley, lettuce, maize, sorghum, and wheat. No genetically modified crops were included. (Beyond politics they are generally sterile so of no use.)

It is very important for Africa to store seeds here because anything can happen to our national seed banks.

Constructed deep inside a mountain and protected by concrete walls, the “doomsday vault” is designed to withstand earthquakes, nuclear warfare, and floods resulting from global warming. Norwegian Prime Minister Jens Stoltenberg called it an “insurance policy” against such threats.

With air-conditioned temperatures of -18 degrees Celsius, experts say the seeds could last for an entire millennium. Some crops will be able to last longer, like sorghum, which the Global Crop Diversity Trust says can last almost 20 millenniums. Even if the refrigeration system fails, the vaults are expected to stay frozen for 200 years.

The Prime Minister said, “With climate change and other forces threatening the diversity of life that sustains our planet, Norway is proud to be playing a central role in creating a facility capable of protecting what are not just seeds, but the fundamental building blocks of human civilization.” Stoltenberg, along with Kenyan Nobel Peace Prize laureate Wangari Maathai, made the first deposit of rice to the vault.

“It is very important for Africa to store seeds here because anything can happen to our national seed banks,” Maathai said. The vault will operate as a bank, allowing countries to use their deposited seeds free of charge. It will also serve as a backup to the thousands of other seed banks around the world.

“Crop diversity will soon prove to be our most potent and indispensable resource for addressing climate change, water and energy supply constraints and for meeting the food needs of a growing population,” Cary Fowler said.

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Forex Trading Refining Macd Trading Strategies

Forex Trading – Refining MACD Trading Strategies

by

ForexAbode.com

No indicator can give all correct signals all the time and hence continuous refinement in the strategies to use an indicator is a must to avoid as many false signals as possible. Getting a few signals which are good is always better than getting a lot of signals of poor quality.

[youtube]http://www.youtube.com/watch?v=GM8sVy7RAnQ[/youtube]

Moving average convergence divergence MACD is used very commonly in technical analysis for trading. MACD is a lagging indicator and that means that any signals by the crossover of MACD and its signal line are generated with some lag in time. The signals are generated after a confirmation of the move in a particular direction this comes with a time lag. When the trend is weaker, this lagging would tend to cause more false signals. Why more false signals during weak trends or when the market is ranging or running sideways?: 1) Entry signal: By the time the entry signal is generated, the price may be reaching the reversal point because during the time lag the trend becomes further weaker and market is on the verge of reversal. 2) Exit Signals: By the time the reversal crossover takes place and signals that we should close our position to take profit, the price already reverses so much that the realized profits levels are much less than the realization levels if would have closed the trade sooner. Though the most important factor in trading are the skills, knowledge and trading discipline but there are always possibilities of improving our indicators also. The improvement can be either by the change in the logic by adding new conditions or by experimenting with different period settings. What we wish to always achieve is to have lesser and lesser percentage of false signals. Albin, Gunter and Kain came up with some refinements in the original MACD for reducing the percentage of false signals which may otherwise be generated. The first refined version is known as MACD R1 and the second is MACD R2 as the subsequent one. Let’s check what MACD-R1 and MACD-R2 are. Our trading platform most probably will not have these refined versions but considering the logics of these, we may think about improving our MACD trading strategies. MACD-R1: a) One more condition was added and that was to wait for three periods (days on daily chart) after the MACD line crosses the signal line upwards or downwards before we take a position. This wait was to ensure that the signal was not false and an immediate reversal does not take place as soon as we take a position. If during this 3 periods another crossover takes place then we forget the first crossover and wait for another 3 periods to ensure this reversal. b) To avoid the exit problem as mentioned in point number 2 above, MACD R1 has the profit taking levels as pre-decided percentages. In a nut and shell it says that don’t be greedy and come out of a trade with certain pre-decided percent of profits. These suggested profit taking percentages were 3% or 5%. So MACD R1 says that close the trade after 3% or 5% gain after the entry. In case a reversal crossover takes place before this pre-decided target of 3% or 5% then also we should close the trade. MACD-R1 – weaknesses: 1) Even with these additional conditions there still is higher number of false signals. 2) Loss in the profits: Let’s assume that it is a strong uptrend and after taking a buy position the prices move up by 8%. And what we did was, we closed the position after 3% or 5% profit and hence the opportunity of making higher gains was lost. basically we may end up in making a big loss in the profit and that goes against the mantra that let your profits run and cut your losses short. MACD-R2: To overcome the above mentioned issue of still higher number of false signals by MACD R1 an additional condition was added in terms of further refinement. The new refined version is known as MACD-R2. Let’s think why MACD-R1 still offers possibilities of reducing the false signals: Scenario: We wait for 3 periods to have the confirmation of the trend continuation by seeing that no reversal crossover takes place during this waiting period. And after this 3 periods we enter the market. As soon as we enter the market, a reversal takes place and we end up with losses. Now let’s see why the above mentioned scenario is possible and what did we miss to avoid it: This can happen because we waited for the confirmation but ignored another warning signal i.e. what did not happen may happen soon now. This may happen because though by the end of the 3 periods after the original crossover, another reversal crossover does not take place but the MACD line comes dangerously close to the signal line to indicate a reversal. The difference between the MACD and signal line reduces drastically. We are not keeping track of this development and ignore this reducing difference between MACD line the signal line even though it indicates the possibilities of a reversal crossover. What additional changes/conditions are there in MACD-R2: Now when we know what we missed, we have to add that condition so that we do not lose the track of the reducing difference indicating a reversal. An additional condition was added apart from the original concepts of MACD-R1 to design MACD R2. This condition is to ensure that we keep a track of the difference between the MACD line and the signal line and do not ignore a warning signal of a possible reversal. This condition ensures that a pre-decided difference maintains between MACD and MACD signal line even after waiting for 3 periods and then only we enter the market. If the difference between MACD line and the signal line goes lesser than the pre-decided level then we do not enter the market. Suppose we decide that the minimum difference between MACD and signal line should be at least 1.2% at the end of 3 periods. What it means is if the difference between these two lines is less than 1.2% then should not take trade position. We decide this difference percentage based on the experience that a difference less than this may indicate a possible reversal.

For more details please check

MACD

and

Moving Averages

section of ForexAbode.com, your premium

Forex

site.

Article Source:

Forex Trading – Refining MACD Trading Strategies

40 million credit cards compromised

Saturday, June 18, 2005

MasterCard International announced Friday that multiple instances of fraud have been tracked back to CardSystems Solutions, Inc., a company that processes credit card transactions and other payments. Customer names, banks, and account numbers of up to 40 million cardholders have been exposed, of which about 13.9 million are MasterCard-branded cards, the company said. Visa and American Express cards were also affected.

“The breach appears to be the largest yet involving financial data,” said David Sobel, of the Electronic Privacy Information Center.

CardSystems issued a statement late on Friday that said it learned of the potential breach 26 days ago, but that the FBI told the company not to advise the cardholders nor the public at large. CardSystems also said their statement had been vetted by the FBI.

A spokesperson for the FBI said that the agency had asked CardSystems not to disclose information that could compromise the investigation, but that it had not asked CardSystems to fail to disclose the breach at all.

Michael A. Brady, C.F.O. of CardSystems, told the Associated Press that “we’re absolutely blindsided by a press release by the association,” when speaking of MasterCard’s release. A MasterCard spokesperson said that the company was obligated to inform its customers of the breach.

MasterCard spokesperson Sharon Gamsin said that CardSystems was hit by a virus-like computer script that stole customer data for the purpose of fraud. She said MasterCard does not know how the script got into the CardSystem network.

Sobel said this theft “indicates that this is a shadowy industry where the consumer never really knows who is going to be handling and using their personal information. Presumably, the affected consumers thought they were dealing with MasterCard.” Having a third-party process credit card transactions is common practice in the industry.

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Tennessee closes down Christian ex-gay camp for treating mental illness without a license

Wednesday, September 21, 2005

The Tennessee state Department of Mental Health has ordered the closing of two Ex-gay ministries operated by Love In Action International Inc., a controversial Christian group that counsels gays to give up homosexuality.

The state deemed that Love in Action was “providing housing, meals and personal care for mentally ill patients without a license”. In particular, the state found that Love in Action was dispensing medication to patients without the required license.

Love in Action has repeatedly drawn fire from gay rights groups who view it as preying upon the fears of religious parents in order to make Christian ministers like Jerry Falwell and Pat Robertson seem more acceptable to the uninformed public. Gay rights advocates view such bootcamp style Ex-Gay camps as “tantamount to child abuse”. [1] [2]

Love In Action is viewed as the first modern Ex-Gay group. Its co-founder John Evans, who abandoned the ministry, feels that it has led to “nothing but shattered lives, depression, and even suicide” and suggests that “The Church has been wrong in the past regarding moral issues and I’m sure there will be more before Christ returns.”

The American Psychological Association and the American Psychiatric Association strongly affirm that “homosexuality is not an illness”, “does not require treatment” and “is not changeable.” They feel that “gay men and lesbians who have accepted their sexual orientation positively are better adjusted than those who have not done so,” and warn that people seeking conversion therapy may be doing so under pressure from religious groups. The American public is evenly divided on the question of whether homosexual orientation can be changed, according to the Pew Forum on Religion and Public Life [3].

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UK fighters confront Russian bombers over international waters

Sunday, May 13, 2007

Last week, RAF Leuchars in Fife scambled two Tornado F3 interceptors, when radar detected two Tupolev Tu-142 Bear Bombers and the alarm was sounded “Bears in the Air”.

The RAF would not disclose the exact time of the incident, which was to the north of the Outer Hebrides. It did say that no contact was made between the aircraft.

The Russian Bear Foxtrot bombers are renowned maritime raiders that regularly probed the United Kingdom’s airspace during the Cold War.

The Russian aircraft were snooping on Neptune Warrior, a Royal Navy exercise taking place near the Outer Hebrides last week. Neptune Warrior was a live-fire naval training exercise involving warships, submarines and aircraft that took place between April 22 and May 3.

The Russians obviously thought it might be worth coming to have a look at what we were up to and probably take some photos. It’s a throwback to the Cold War when they used to fly in regularly to poke and prod at the edges of British airspace and test our reaction times. It’s normal to let such aircraft know we’re there by pulling up alongside them and they left quietly. The whole encounter probably lasted 20 minutes.
 

The Tornado’s watched the Russians for approximately 15 minutes until the bombers returned to their home base in Murmansk.

This aircraft dates back to the 1950s and although the air frame might look dated it is still highly effective in terms of long-range maritime reconnaissance. These used to fly over the North Sea and the Greenland Gap daily during the Cold War and, while rare today, it’s by no means a unique occurrence. It’s nice to know the Russians are out and about again. The exercise was in international waters and the Russians have got just as much right to be there as we have. We do it to them, they do it to us. All the RAF is doing is telling them: We could do this for real if we wanted to, so go and tell your mates back home.’
 

During the Cold War in the 1970s and 1980s, Soviet spies were sometimes spotted watching from the perimeter of RAF stations to time exactly how long it took jets to take off and intercept Bear bombers, probing the United Kingdom’s defences and testing the response. Nato pilots in those days were well accustomed to an almost daily aerial game of cat-and-mouse.

Squadrons of Phantom interceptors were on constant quick-reaction standby through the 1970s and 1980s to deal with the threat of Soviet long-range bombers engaging in a long-range attack on Great Britain. The Bears can carry an arsenal of missiles, some nuclear-tipped, to strike NATO warships blocking the entrance to the vital North Atlantic sealanes between the United States and Europe.

In July, the Tornado will be replaced by the new Eurofighter Typhoon. Currently, RAF personnel on scrambling duty spend most of their time on counter-terrorist missions, checking out commercial airliners approaching Britain in ways that arouse suspicion, either because they have taken the wrong flight path or because the pilot has not contacted ground control.

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Grey Hair | Hair Care

Grey Hair | Hair Care by Juliet CohenThere is no scientific evidence that any food, herb, supplement or product can reduce or reverse gray hair. Grey hair is usually a natural result of aging. Pigment in the hair shaft comes from special cells at the root (base) hair. These cells are genetically programmed to make a certain amount of pigment (melanin) at specific ages. At some point in the aging process, these cells make less and less pigment until the hair has very little pigment. Most people in the gray front to back, but again it is inherited. It is common also to obtain a wisp of gray, and a few people get to a state where the gray hair then turns to the natural color along.Its length every millimeter or two. People may have gray hair at any age. Some people go gray at an early age – when they are in high school or college – while others can be 30 to 40 years before seeing the first gray. In some cases, gray hair may instead be caused by a deficiency of B12 or a thyroid imbalance. Thyroid conditions such as Grave ‘s disease, Hashimoto’s disease, hyperthyroidism, hypothyroidism and were associated with premature gray hair. Cigarette smoking has been linked to premature gray hair. Vitiligo is the state in which your skin loses melanocytes, causing very slight staining of the skin.Grey hair is more important in people with darker hair because it stands out, but people with naturally lighter hair are just as likely to gray. From the moment an individual opinion of a few gray hairs.It could take more than 10 years for all of this person’s turn gray. People rarely go gray overnight. If they do, it is usually because of alopecia areata. This condition causes thicker, darker hair before stopping at the culture as it affects the growth of gray hair – giving the impression of an ageing of the night. Alopecia Areata causes round spots. Some people think that a big shock or trauma can change a person hair white or gray overnight.Get information on hair styles photo, hair trends and hairstyle gallery, including sections dealing with bob hairstyles and medium hairstyles.Article Source: eArticlesOnline.com

Media reports exaggerate cell phone risks again

Monday, September 22, 2008

Several mainstream news outlets have misstated and overstated a possible link between cellular phone use and decreased fertility in men. A single experiment, which has not yet been published in any peer reviewed journal or replicated by other scientists, observed an average decrease in sperm motility and an increase in free radicals among laboratory sperm samples that were exposed to radiation similar to the radiation produced by cellular phone use.

Dr. Ashok Agarwal of the Cleveland Clinic estimates the overall health impact of cellular phones as “very safe” and reassured a Cable News Network reporter that the research was too premature to advise lifestyle changes for the public. “Our study has not provided proof that you should stop putting cell phones in your pocket. There are many things that need to be proven before we get to that stage.” He noted that his own cell phone was in his trouser pocket while he was giving the interview. Dr. Agarwal is the lead researcher for the study and Director of the Center for Reproductive Medicine at the Cleveland Clinic.

Cell phone industry spokesman Joe Farren agreed with Dr. Agarwal’s assessment about the devices’ overall safety: “The weight of the published scientific evidence, in addition to the opinion of global health organizations, shows that there is no link between wireless usage and adverse health effects.”

The controlled experiment used sperm samples from thirty-two donors: twenty-three healthy men and nine men who had fertility problems. Sperm were then exposed to radiation for one hour at 850 megahertz, the most common frequency for cell phones in the United States. Dr. Agarwal’s study raises a possible concern that cell phones kept on belts or trouser pockets and used in conjunction with wireless bluetooth earpieces “could cause harmful effects due to the proximity of the phones and the exposure that they are causing to the gonads.” He also noted that follow-up research is needed to determine whether the body’s skin and other tissue affords protection from the potential damage.

Several news sources ran misleading reports that overstated the risk.

The Los Angeles Times asserted a fallacious causal relationship that Dr. Agarwhal had not drawn and ignored his opinions that cellular phones are safe and no change in phone use is necessary. Instead, the piece opened by ordering men to stop keeping cell phones in their pockets:

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“Attention male cellphone users of reproductive age: Take that phone out of your pocket. Information published today suggests that the radio-frequency energy released by cellphones decreases sperm quality in men.”

Ciol News ran a similar account:

“Beware men! Do you have the habit of keeping your mobile phone in the pockets of your trousers while talking on hand-free? Or do clip the mobile to your belt while talking? If so you are doing that at the cost of your fertility, warns a recent study.”

Mobile Magazine went a step further, also alluding to previous media exaggerations about cellular phone dangers:

“Oh no! It seems that mobile phones are getting even more problematic than ever. After getting linked to everything from migraines to cancer, it seems that the radiation from cell phones is now being connected to stupid sperm. Yes, I’m talking about the little swimmers that lead into a conversation about the birds and the bees.”

Mobile Magazine also ended in a misleading manner with “I wonder if it’s healthier to put your phone in your shirt pocket instead,” failing to mention that Dr. Agarwal had addressed that concern and had called it an unnecessary precaution.

Not all news sources overplayed the findings. CNN and United Press International ran balanced reports that did not suggest dangers or precautions beyond the lead researcher’s conclusions.

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
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