Jul 07

Best And Worst Car Insurance Companies As Rated By Consumers 5 Ratings Dimensions

By Susan Willis

To properly shop for car insurance, you know by now that it is not just about price. Sure, everybody wants to pay the lowest-possible insurance premiums each month: why pay more than you have to?

But, after you have been shopping for car insurance for a while, you come to realize that price is only one dimension along which you should be evaluating your choices. In reality, once you become a customer, you will want to make sure you have the right types of coverage. And, of course, you will want good customer service and other aspects of a quality experience.

If you want to know which are the best and worse car insurance companies as rated by consumers, here are the 5 dimensions along which they should be rated:

1. Customer interaction:

This dimension is also known as customer service. It includes factors such as average phone wait times when making an inquiry or filing a claim. But, it also reflects things like:

[youtube]http://www.youtube.com/watch?v=h3pekKyUJRc[/youtube]

* Did you get connected to the right person quickly enough when you called them?

* Was the person on the other end of the line courteous and helpful?

* Did they resolve your problem, question or concern in a timely manner?

2. Policy offerings:

This rating dimension has to do with the types of coverage that the company makes available to you. Of course, each company should have standard coverage options like liability, uninsured motorist, and collision coverage. But, there are various options within each of these coverage categories – and some companies offer more options than others.

3. Billing and payments:

This dimension answers the question: how easy and straightforward are the billing and payments processes? Receiving bills in a timely manner, having payments processed quickly, and the ability to easily make inquiries to the billing department are all considered within this item.

4. Price:

Of course, getting a reasonable policy price can and should be one of your top priorities. This is by no means the least-important dimension along which you should evaluate your options, as insurance companies can give wildly differing quotes for the same person with the same coverage. By saving just $50/month you will be saving $600/year on insurance. That’s pretty significant.

5. Claims:

This is one of those dimensions of the auto insurance company experience that you will hopefully never have to deal with directly. And, that is precisely why many people underestimate the importance of their insurance company having a smooth claims process.

However, if and when you ever need to file a claim, you will suddenly remember that this is the very reason for which you bought car insurance: to have the chance to be protected financially by it. In addition to price, claims service quality is one of the most important factors that consumers look at when rating insurance companies.

Be sure to evaluate the prospective car insurance companies by these 5 dimensions as you decide which one is best for you and your family. Check out the JD Powers & Associates ratings in their latest National Auto Insurance Study to find out what consumers are saying about top companies.

About the Author: Find more useful tips and the cheapest car insurance rates at:

Cheapest Car Insurance Rates

.

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Jul 06

Australian government provides $15.8 million for North Adelaide Technical College

Tuesday, June 27, 2006

Australian Minister for Vocational Education and Training, Gary Hardgrave has announced the government will provide AU$15.8 million to establish an Australian Technical College in North Adelaide. The minister said the government was entering into a partnership with the Archdiocese of Adelaide and consortium of industrial and manufacturing companies.

The North Adelaide college will be located in Elizabeth and be operated as an independent non-government school. The college is one of 25 to be established across the country.

Enrolments at the college will begin in 2007 and will offer courses in areas where identified skills shortages exist in the North Adelaide region, specifically – engineering, construction, electronics and cooking.

Mr Hardgrave said that the proposed college had been popular among the North Adelaide business community. “This important initiative has been well received by North Adelaide business and industry, and will help to address skills needs and provide opportunities for those in greatest need, including a lot of Indigenous students in the region,” Mr Hardgrave said.

“The fact that this College is being led by local employers, local government and other key stakeholders, means it will be truly industry and community driven,” he said.

Australian Technical Colleges were established to cater for year 11 and 12 students who wish to do an apprenticeship as part of their school education.

The Australian Education Union has expressed a number of concerns about the model put forward by the government. In a report, they claim that trade facilities at TAFE colleges (operated by state governments) will deteriorate as funding is diverted to the ATCs. The union is also concerned that ATCs are supposed to be selective VET schools. According to the union they will have selective entry and preferential funding. It is feared that teachers will be lured away from schools and TAFE colleges to higher paid positions in ATCs.

The Education Union suggested that the government invest in schools that already offer vocational education programs.

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Jul 05

Legality of NSW traffic and parking fines to be tested in court

Sunday, June 18, 2006

The legality of speeding and parking fines in New South Wales, Australia is set to be tested in court this week. A lawyer from Sydney will challenge the authority of the state’s infringement processing bureau to issue fines for speeding and parking offences.

The lawyer claims that when the NSW government moved control of the bureau from the NSW Police to the Office of State Revenue in October 2001, the government failed to make correct legislative changes. He claims that all fines issued since the move are invalid.

The basis of the case revolve around whether or not the infringement processing bureau has powers to issue penalty notices (fines) under NSW law.

The bureau said that the case would only be relevant to fines which are disputed by a person in court. The bureau said that only five per cent of fines are challenged.

“People who did not elect to go to court and have paid their infringement notice will not be affected by any decision, so the issue of refunds does not arise,” a statement by the Office of State Revenue said.

For the 2004/2005 financial year, the infringement processing bureau recorded revenues of AUD$158.7 million from fines.

NSW Opposition leader Peter Debnam said the government has once again failed to write legislation correctly. “The bottom line with this thing is that the Government simply hasn’t done its homework. We see this time and time again, legislation going through parliament, and it ends up costing tax payers a fortune,” he said.

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Jul 05

Two New Zealand men ran illegal text lottery

Friday, August 18, 2006

Two New Zealand men, Richard Stuart Hayes and Troy Jonathon Elliot, have been convicted of running an illegal mobile text based competition after 27 winners did not receive the car prizes. The pair were found guilty yesterday in a decision reached by Judge Nicola Mathers in Auckland District Court, following a February hearing.

The two convicts, whose names were suppressed until yesterday, are the directors of the company which ran the ‘TxtDrive’ competition in March 2004, the Watch and Win Company. The company had hoped to gain a profit of NZ$2.5 million, but due to lack of interest and entrants they could not afford to honour the daily prizes as they had only raised $414,595.

“I am satisfied that the Department of Internal Affairs (DIA) has proved to me beyond reasonable doubt that Mr Hayes and Mr Elliot organised an illegal lottery. I consider they deliberately entered into the scheme and were careless as to the legality of this novel scheme.” Judge Mathers said.

During the 27-day competition, cellphone users had to send a $0.99 text message during television adverts on TV 2 for the opportunity to win a Peugeot car a day or free products from Pizza Hut.

Settlements have been reached with the winners; only one received a car.

Hayes and Elliot argued that it was not a lottery but a sales promotion, which means it didn’t need to be licensed by the DIA.

Mark Woolford, DIA lawyer, said “Internal Affairs had to prove that the Hayes and Elliot organised the competition, that it was a lottery under the definition of the Gaming and Lotteries Act 1977, and that it was not authorised as a lottery by Internal Affairs.”

A sales promotion is defined as “Any competition promoted by a manufacturer, distributor, wholesaler or retailer for the purpose of promoting the sale of goods or services.” Judge Mathers said she was satisfied the TxtDrive competition was an illegal lottery.

The two men are to appear back in court on 6 October, they face either a fine of $4,000 or three months in prison under the maximum penalties.

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Jul 04

Hiring A Licensed Electrician: Pros &Amp; Cons

An electrician is an electrical contractor that you hire for remodeling jobs or new construction. These professionals can be licensed or not. Many homeowners wonder if it’s really necessary to hire the fully licensed company or individual when there are cheaper ways to get the jobs done.Electricians run new wires or replace old ones. They handle electrical boxes, fuses, conduit and circuits. They follow blueprints and plans designed by electrical engineers in order to create working systems within a home or commercial building. Some handymen and jacks-of-all-trades claim to be able to fix your wiring, but buyer beware: electric installations or repairs are complicated endeavors that demand respect from DIYers. Faulty wiring can be disastrous. Here are some pros and cons for hiring a licensed vs. unlicensed individual or business.Pros of Hiring a Licensed Electrician:- Licensed pros have had to do coursework in order to learn the ins and outs of electricity. Not only did they have to study and pass tests, they also had to spend time working out in the field acquiring hands-on experience.- A homeowner can check with the local board of electrical contractors in order to learn about a pro’s past history. Is his or her license up to date? Have there been any unresolved complaints about them? These are important items to check into.- Building codes are set up to ensure public safety, and licensed contractors will stay up to date with them. When electrical work is done, the local municipalities will inspect it to make sure it’s done correctly.- In order to go through the steps to get their license, these individuals had to be dedicated to their craft and in refining their skill set. This dedication will shine through in the degree to which you can trust their work.Pros of Hiring an Unlicensed Electrician:- An unlicensed person’s fees will be less expensive than one licensed. If you “know a guy” who can do the work you need done, and if it’s not a huge task, you might be able to save some money here.- Since an unlicensed worker won’t usually bother with permits and inspections, the job will be completed faster, which is cool if you’re trying to finish the work in a hurry.Cons of a Licensed Professional:- It will cost more cash to hire a professional, but it’s important to remember that you often get what you pay for.- A homeowner will have to get permits and wait for inspectors. Still, the homeowner will be assured that when all is done, the job has been done right.Cons of an Unlicensed Handyman:- Crossed wires can short out and burn your house down. Worse yet, if the insurance company learns that a non-professional performed the work, they may not pay for the damage caused by the fire.- Because the handyman isn’t being watched over by municipalities, inspectors or the board of contractors, if something goes wrong, there’s no recourse.When building a new house or remodeling, there are many decisions to be made. Deciding between hiring an unlicensed or licensed electrician is one of them. After weighing the facts, a homeowner will have to make a decision for him or herself.

Jun 29

China overtakes Germany as world’s biggest exporter

Sunday, January 10, 2010

Chinese officials have said that their country’s exports surged last December to edge out Germany as the world’s biggest exporter.

The official Xinhua news agency reported today that figures from the General Administration for Customs showed that exports jumped 17.7% in December from a year earlier. Over the whole of 2009 total Chinese exports reached US$1.2 trillion, above Germany’s forecast $1.17 trillion.

Huang Guohua, a statistics official with the customs administration, said the December exports rebound was an important turning point for China’s export sector. He commented that the jump was an indication that exporters have emerged from their downslide.

“We can say that China’s export enterprises have completely emerged from their all-time low in exports,” he said.

However, although China overtook Germany in exports, China’s total foreign trade — both exports and imports — fell 13.9% last year.

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Jun 27

Millions of old New Zealand coins still to be handed in

Wednesday, October 25, 2006

On November 1, 2006 the old five, ten, twenty and fifty cent coins will be illegal tender, but the Reserve Bank of New Zealand says there are still at least 100 million still to be returned.

According to the Reserve Bank, most of the old coins have been lost in drains or buried in rubbish. “We think there is still another 100 million sitting around in people’s homes,” Brian Lang, currency manger for the Reserve Bank, said.

Lang said: “So far, just over 280 million coins have been returned, but there are more out there. Since 1967 the Reserve Bank has issued more than a billion of the old ‘silver’ coins. So if you don’t want to be stuck with loads of old coin – there’s never been a better time to empty your coin jars, sweep the car glove box and rummage behind the couch cushions.”

The coins still awaiting to be handed in, by either spending them, taking them to a bank or donating them to charity, are estimated to be worth between NZ$5 million and $50 million.

“A last-minute burst of publicity may convince people to bring the coins in. It’s a bit of a hassle though. Human nature being what it is, people just don’t care,” Lang said.The Karori Wildlife Sanctuary located in Wellington say that they have collected over $9,000 in old coins. Sanctuary spokesman, Alan Dicks said: “The campaign was particularly fitting because the old coins depicted tuataras and kiwis, both of which can be found living at the sanctuary. The money will go towards supporting general ecological restoration of the sanctuary. We want to get over ten grand, but the more the better.”

Lang said: “Though the coins will no longer be legal tender, banks will continue to exchange them until at least the end of the year,” and the Reserve Bank will always exchange them. “We are still getting people coming in with two-dollar notes,” Lang added.

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Jun 25

Most Essential Aspects To Home Improvement

Submitted by: Karissa Claire Dupree

If you want your home to be well designed, be comfortable, and at the same time appealing to you and your visitors, your way to go will be to make sure that the elements of design are well thought of and that they complement each other well.

For this task, you may hire an interior designer. The designer will be the expert on choosing the designs as well as the furniture that will be appropriate for your home. For homeowners who want to do this on their own, they just need to follow a few tips.

One of the most obvious aspects of a home that the owner or a visitor will first see is the color that the home is painted in. The colors will also include the color of the furniture and home accessories.

To be correct about the color, you just need to find the right combination or scheme to come up with your desired room size, mood, and temperature. You might have known by now that color can resize a room. Large rooms can be made a little smaller and small rooms can look spacious. Of course, this will only be on the illusion that it gives but it surely will matter.

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

The mood depends on whether the color that you used was lively or not. Dull colors would create a regular looking room, or even one that is boring. Bright colors may come as a lively looking room for most.

Lastly for color, the room temperature will depend on whether the color used was warm or cool. Examples of warm colors are reds, oranges, and yellows. Cool colors can be blues and greens.

Aside from the color of the room or the house, you also give importance to lines and the direction that they seem to give. You can use a combination of straight lines, curved lines and a few more. Or, you may just stick to one type and design your room with that in mind.

Space is another important aspect of home design. As has been discussed, the colors of the room can help determine the resulting size of a room. Aside from color, the type of furniture to use should be taken into account. Big furniture may only look well with a spacious room while smaller furniture items may also look better in a smaller room. This also avoids crowding a small room and leaving out too much space in a big room.

You may also add features like using repetition in your designs as this can be interesting to look at. You may also paint the room using gradients as they give a subtler transition between the colors. Contrast can help give or reduce emphasis in a certain item.

In all of these it is important that you take into account how all of the designs manage to go with the whole look. The room should be well balanced. The furniture, the accessories, and the structure of the house itself need to be complementary to each other.

About the Author: Karissa Claire Dupree is a design specialist and enjoys writing about any type of home d cor such as

modern bath vanities

and

modern bedroom furniture

as well as other products.

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Jun 25

Tom Cruise debates psychiatry on NBC’s Today show

Saturday, June 25, 2005

In an interview on NBC’s Today show with Matt Lauer, Tom Cruise aggressively defended his opposition to psychiatry and anti-depressive drugs. This occurred after being asked questions about his criticism of Brooke Shields, who has been taking drugs, including Paxil, for postpartum depression. Cruise is usually known for keeping his cool in interviews, but recently he has been slightly more unbound.

Cruise’s statements, including “Psychiatry is a pseudoscience“, and “There is no such thing as a chemical imbalance in a body”, reflect the beliefs of the Church of Scientology, of which he is a member. The interview became particularly tense when Lauer mentioned that he knew people who had been helped by taking Ritalin, an attention-deficit disorder drug.

“Matt, Matt, you don’t even — you’re glib,” Cruise responded. “You don’t even know what Ritalin is. If you start talking about chemical imbalance, you have to evaluate and read the research papers on how they came up with these theories, Matt, OK. That’s what I’ve done.”

Cruise went on to say: “You don’t know the history of psychiatry, I do.”

Cruise has not formally studied medicine beyond a high school education, having dropped out in his senior year (1980) to pursue an acting career. In light of this, some members of the psychiatric community have refuted Cruise’s controversial statements. Dr. John Scully, medical director of the American Psychiatric Association, has said “The illnesses we treat – anxiety, depression – are very real illnesses…The treatments work. We have demonstrated that through robust scientific study.”

Lauer insisted that Ritalin helped people: “You’re telling me what’s worked for people I know or hasn’t worked for people I know. I’m telling you, I’ve lived with these people and they’re better,” Lauer said.

Cruise hinted that Lauer was promoting Ritalin and Lauer scoffed: “I am not. I’m telling you in their cases, in their individual case, it worked.”

The exchange ended when the two basically agreed to disagree. Cruise, who is 42, did admit that one of his goals is to speak more about Scientology in an effort to get people to understand it better.

Scientology has historically been at odds with the established medical and mental health community. The rift dates back to the 1950s and Scientology’s founding father L. Ron Hubbard. In his book, “Dianetics: The Modern Science of Mental Health”, published in 1950, Hubbard claims that Dianetics (later called Scientology) could cure the majority of human ailments. These claims were sharply disputed by a variety of mainstream science and medical professionals including psychiatrists.

On Monday, June 27, 2005, the American Psychiatric Association released a statement that stated the following:”It is irresponsible for Mr. Cruise to use his movie publicity tour to promote his own ideological views and deter people with mental illness from getting the care they need…Rigorous, published, peer-reviewed research clearly demonstrates that treatment (of mental illness) works…It is unfortunate that in the face of this remarkable scientific and clinical progress that a small number of individuals and groups persist in questioning its legitimacy.”

The APA represents nearly 36,000 physicians specialising in the diagnosis and treatment of mental illness.

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Jun 25

50,000 people refuse evacuation after flooding in India caused by river changing course

Tuesday, September 9, 2008

The Kosi River changed course one week ago to a path which it has not taken for over 100 years. While 900,000 people were evacuated by rescue workers, new data has revealed that 50,000 people, from the town of Saharsa, have refused to leave their homes.

Advertisements in local newspapers have been used to encourage the people who are still remaining in the area to leave soon. People are encouraged to go to one of many camps, which are funded by the government, to seek refuge from the continued flooding.

People have also started to return to their homes, due to the fact that they have seen the water level drop by over half of a metre in some areas. This is despite statements by officials emphasizing that people may need to stay in the camps for up to six months.

Approximately 1.2 million people are estimated to have had their homes flooded by the disaster. 42 people have been confirmed dead, although The Australian has reported that the actual death toll is likely to be much higher.

The incident started when gushing waters quickly overflowed the channel boundaries on both sides at a rate of about 200 meters per day, flooding vast tracts in Supaul, Araria, Saharsa, Madhepura, Purnia, Katihar, parts of Khagaria and northern parts of Bhagalpur, as well as adjoining regions of Nepal. About 2.7 million people are affected by this flood disaster of massive dimensions, with about 900,000 people in the affected areas having moved to 285 relief camps and 249 health centers. An estimated 100,000 are still trapped in various villages without food or drinking water since several days ago when the crisis began.

During the last 250 years, the Kosi has moved its path up to 150km westward on multiple occasions, leaving behind a series of paleochannels. The river is a tributary of the Ganges, with catchment areas in the Nepal Himalayas, one of the fastest rising mountain chains, flowing through a 150-kilometer wide and 180-kilometer long alluvial fan. Fast silting of the channels by the tons of annuvium brought down by the river makes it drift off so often that it is often cited as one of the text book examples of a dynamic river system to geologists.

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