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Saturday, October 20, 2012

If you do't own a home but rent it, you can still ... - Business Networking

It seems contradictory why would anyone who doesn?t own property need homeowners insurance? Though the name is deceiving, home insurance isn?t just for those who own property.

Perhaps you?re fresh out of college, leaving residence housing and moving into your first apartment. You don?t have a lot, but you want to protect what?s yours. Or, perhaps you just got a new job and decided to upgrade. Your old second-hand furniture has been replaced with a brand new set, and you finally got a flat screen TV. Now that your possessions are worth something, you?re afraid of losing them.

Even if you don?t own your home, it?s still your home; it?s the place you crash after a long day, your pictures are plastered on the walls, your friends crash on the couch. If you want to protect your home or at least the contents inside of it you need a special type of home insurance called renters insurance.

If your apartment building catches on fire and you?re not insured, you will lose everything. Your furniture, your appliances, your clothes, jewelry, DVDs and books. Not only are you out of a home, you?ve lost everything you own. And unless you have renters insurance, there?s not a whole lot you can do about it.

There are all sorts of reasons people opt out of this type of homeowners insurance. It could be as simple as not knowing it exists. It might be because they mistakenly believe they are covered under their landlord?s insurance. They might think it is too expensive. Or, perhaps it?s a classic case of ?it can?t happen to me.?

The problem is, it can happen to anyone. And when you think about it, if you live in a building with dozens, or even hundreds of tenants, the chances aren?t so low that something will go wrong. Attaining quality renters insurance isn?t difficult, and it isn?t as expensive as many people believe. If you already have car insurance, your provider may even give you a discount on a home insurance policy. Even if that doesn?t apply to you, most renters insurance plans only cost $100 to $300 each year a small price to pay for the peace of mind that comes with knowing your belongings are protected.

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Source: http://www.biokeys.org/992-if-you-dot-own-a-home-but-rent-it-you-can-still-get-home-insurance-protection.html

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Friday, October 19, 2012

Muscle Building Diet ? Bodybuilding Exercises | Bodybuilding ...

In order to build muscle, it?s important to eat foods that are high in protein, but this can also be achieved in the form of supplements. Discover how fruit can play an important part in muscle growth with help from a professional bodybuilder and trainer in this free video on muscle building tips.

Problems of keloid scars

Keloid scars are a collection of collagen which forms on the skin when the healing process is interrupted. It can be described as an abnormal scar that occurs due to an excess growth of granular tissues. This kind of scar rises up very abruptly above the rest of the skin. Keloid scars can be pink [...]

Cellulits: infection of bacteria

Cellulitis can result from various types of bacterial infections. The bacterium that most commonly causes this condition is streptococcus. These bacteria spread through the skin very quickly as they secrete enzymes which do not allow the tissues to restrict the infection. Cellulitis may also be caused by the staphylococcus bacteria or other types of bacteria, [...]

Depression & exercise

Various studious over the last 30 years have repeatedly shown that a regular exercise routine helps reduce mild to moderate depression symptoms. Some studies have also shown that the effects of exercise last longer than antidepressants. One published study showed that walking fast for 35 minutes a day on five days of the week works [...]

Remedies of lung cancer

Lung cancer is the malignant growth of cells in the lungs and the leading cause for death among other types of cancer like colon cancer, breast cancer and prostate cancer. Smoking is the major cause for lung cancers and the risk increases with the number of cigarettes and length of smoking time. Other risk factors [...]

Seeds for health

Many people don?t know how healthy seeds are. Much like nuts, they can really benefit your heart. Plus, they can be a wonderful addition to any meal or a great snack between meals. ? Generally speaking, it?s healthier to eat seeds raw versus roasted. However, roasting brings out the great flavor of seeds. Roasting also [...]

Source: http://stek.org/videos/muscle-building-diet-bodybuilding-exercises/

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Feds probe complaints that Jeep Patriots stall

FILE - This undated file product image provided by the Chrysler Group, shows the 2011 Jeep Patriot. U.S. government safety regulators are investigating complaints that engines on Jeep Patriot SUVs can stall without warning at highway speeds. The National Highway Traffic Safety Administration (NHTSA) said Friday, Oct. 19, 2012 that it received a dozen complaints about stalling. The investigation affects about 112,000 Patriots from the 2011 and 2012 model years that were sold in the U.S. Chrysler Group LLC, the maker of Jeeps, sold another 18,000 in Canada. (AP Photo/Chrysler Group, File) NO SALES

DETROIT (AP) ? U.S. government safety regulators are investigating complaints that engines on Jeep Patriot SUVs can stall without warning at highway speeds.

The problem caused one crash in which two people were hurt, according to documents posted on the National Highway Traffic Safety Administration website.

The investigation affects about 112,000 Patriots from the 2011 and 2012 model years that were sold in the U.S. Chrysler Group LLC, the maker of Jeeps, sold another 18,000 in Canada.

NHTSA said Friday that it received a dozen complaints about stalling. Ten of the incidents occurred while the Jeeps were going 65 miles per hour or faster. In eight cases the Patriots could not be restarted and had to be towed.

"The complaints show an apparent increasing trend, with all but three received within the past six months," NHTSA said.

In one complaint, a Subaru driver told NHTSA that on May 2, a Patriot's engine died while it was on Interstate 5 on the West Coast. The Subaru was behind the Patriot when it happened, and the woman driving the SUV did not hit the brakes, according to the complaint. "I did not see a brake light, and it took me a couple of seconds to realize she had slowed," the Subaru driver wrote. "By the time I slammed on my brakes, I hit her. I was still going 55 mph."

The Subaru's air bags inflated, and the crash injured the Subaru driver and seriously hurt the driver's 85-year-old mother, who was a passenger, according to the complaint. NHTSA does not identify people who file complaints or say where they are from.

Chrysler said it is cooperating with NHTSA and that the Patriot has an excellent safety record. Patriot owners who are concerned about their vehicles should contact their dealer, the company said.

NHTSA said it will investigate to see whether the problem is widespread enough to order a recall. So far the Patriots have not been recalled.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-10-19-Jeep-Stalling%20Investigation/id-d1819b9d8fde4947867796a31bf258a3

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Thursday, October 18, 2012

Danielle Lineker: If Gary had four girls, being step mum might have ...

Danielle Lineker: Step families are normal. People need to talk about them more

Model and actress Danielle Lineker is mum to Ella, 10, and step mum to Gary Lineker's boys, George, 21, Harry, 18, Tobias, 16, and Angus, 14. She talks to Parentdish about her own upbringing in a step family and life with Gary and the kids.

Ella is into the double figures, how are you finding that?

It's certainly different from the early years! She has her own mind and opinions and is incredibly strong willed. Although as Gary reminds me, 'the apple never falls far from the tree!'

What's your family set-up with the boys and Ella?

Ella is with us full time and sees her dad (ex-footballer Adam Willis) at weekends. The boys split their time between our house and their mum's, and as the older two drive it's pretty easy-going and relaxed all round really.

Do Ella and the boys get on?

Brilliantly, although she knows how to wind them up! I think the boy/girl mix really helped them settle with each other, and the boys are quite grown-up which also helps.

What sort of things is Ella into?

At the moment, mainly Katy Perry and Nicki Minaj! She's loves the outdoors though, and is always climbing trees and riding her bike. The boys' influence definitely helps with that I think, which I'm very grateful for. I am adamant she will not sit in front of the TV and computer when she could be out and about.

Danielle Lineker: Step families are normal. People need to talk about them mor Danielle and Ella. Pic: PA

Does the pressure put on young girls in today's world worry you now Ella is nearing her teens?

It really does. It's one of the reasons she is at a school out in Surrey and not in London, as I would worry about her growing up in a big city. There's so much pressure for young girls to race to grow up and a huge amount of temptation way beyond her years around. She has her own mind and is a strong girl, which I think is vital today.

Having Gary's sons helps too as she certainly has no interest in boys after living with them!

You're supporting the Argos Toy Exchange with Barnardo's. What's the campaign all about?

You can donate unwanted children's toys at donation stations in Argos and Barnardo's stores around the country to help disadvantaged children. I've worked with Barnardo's before, and as a mum the charity and the campaign are very close to my heart. It's a great excuse to have a clear out too - which I really needed to do with Ella's stuff - and help your children understand how they can help other kids. Ella has a huge amount of things and is a real hoarder, so it was a battle of wills to get her to give things up!

You're from a step family yourself. Tell us about your experience growing up.

I was the oldest and my parents divorced when I was young. Having a step family was never an issue; it was just the way we lived and I always had half brothers and sisters in my life. It wasn't an issue and it shouldn't be one.

Danielle Lineker: Step families are normal. People need to talk about them mor Danielle and Gary. Pic: PA

How were your first few years with Gary's boys?

We got on straightaway, but it takes so much time to form proper and close relationships with new people. It's a completely new set-up with new people and new personalities, which took time to settle. I remember meeting them all for the first time and I was so nervous! But we got there, slowly but surely. I think it really helped that they are such laid back boys, and Ella was a very young girl.

If Gary had four daughters it might have been a different story!

What is your advice for other step families?

It's all about time. Don't push and force anything, whatever the ages of the children and situation you're in. It's important to be patient and keep the lines of communication open.

No one, no matter who they are, will suddenly get on brilliantly with a brand new person in their life. Take it slowly.

There doesn't seem to be the help and support available for step families either, and step parenting is not spoken about enough. One in three families are now step, and it is so normal and natural, we just don't hear about it enough for people to realise. It needs to be more open and honest.

Do you think you will ever have children with Gary?

Well, never say never, and of course if we had one together we would be absolutely thrilled, but we haven't got any planned at the moment. Our house is busy enough!

Danielle Lineker is the ambassador for the Argos Toy Exchange, an initiative launched in partnership with Barnardo's to encourage families to donate toys to raise money for the UK's most disadvantaged children. To find out more information visit Argos.co.uk/toyexchange, or to donate visit your local Argos or Barnardo's store.

More on Parentdish:

Sophie Ellis-Bextor: Any mum of three boys could take on the world

Seal
 When music man Seal met Heidi Klum she was expecting her first baby, whose dad was Flavio Briatore (the managing director of Renault's Formula One team). Seal was at Heidi’s son Leni’s birth, and three biological children together later, Seal adopted Leni as his own son. <a href="http://www.parentdish.co.uk/2012/01/21/heidi-klum-and-seal-to-divorce-according-to-reports/" target="_blank">Sadly, on January 22, 2012, the couple announced that they were separating</a> after almost seven years of marriage. So tell us, what happens at <a href="http://www.parentdish.co.uk/Halloween/celebrities-celebrating-halloween/" target="_blank">Halloween</a> now?
Khloe Kardashian
 Reality TV star <a href="http://www.parentdish.co.uk/2012/01/12/khloe-kardashian-tweets-over-disgusting-claims-about-her-parentage/" target="_blank">Khloe</a> is step mum to husband Lamar Odom’s two children, Destiny, 12, and Lamar Junior, nine. Khloe says she’s been inspired by the way her mum’s husband, Bruce Jenner, brought her up, saying: “I love children so much. I really feel like how Bruce step fathered us was so beautifully done. I take advice from him and my dad had a lot of girlfriends that were really awful to us. I really have had awful experiences from step parents or step girlfriends, whatever you want to call them, and I think I have great experience to be a step mom.”
Matt Damon
 Hollywood’s Matt Damon made us all go aww when he said becoming step dad to wife Luciana’s daughter Alexia made his heart swell, gushing: “The only way I can describe it - it sounds stupid, but - at the end of How the Grinch Stole Christmas, you know how his heart grows like five times? Everything is full. It’s just full all the time.” Matt and Luciana are also proud parents to Isabella, Gia and Stella.
Anna Paquin
 The True Blood star is expecting her first baby with co-star and husband Stephen Moyer this Autumn, but she's getting plenty of practice in being step-mum to Stephen's daughter, Lilac and son, Billy.
Catherine Zeta Jones
 Welsh beauty Catherine may be proud mum to Dylan and Carys, her children with older husband Michael Douglas, but she’s also got her hands full juggling step parent duties with Michael’s older son, Cameron. When Cameron was arrested for selling drugs, Catherine stood by him and pleaded with the judge for leniency. The bad boy also once credited Catherine with holding the family together, saying: “Catherine is someone who has cemented the family together."
Gisele
 Leggy Gisele is step mum to John Edward Moynahan, her husband Tom Brady's son with Bridget Moynahan. Tom left Bridget for Gisele, who is now mum to the couple’s toddler son, Ben, when Bridget was pregnant, but the trio have put the past behind them to be the best parents they can be. “My son has two loving parents and an extended family, whether it’s cousins or step mothers or boyfriends,” says Bridget. “My son is surrounded by love.”
Ashton Kutcher
 When Ashton married older woman Demi Moore in 2004, he became step dad to her three girls with Bruce Willis. In fact, Ashton was only 11 years older than the couple’s oldest daughter, Rumer. But that didn’t stop him getting the rule book out. "I’m kind of the disciplinarian dad,” said the actor. “I'm like the curfew guy. I'm the one that ends up going, 'Alright, you have to start working. What are you going to do for a summer job?'" Of course Ashton and Demi are no longer together, but that hasn’t stopped him being a part of the girls’ lives, in fact he recently cheered singer Rumer on at a concert. Very glad to hear it.
Matt Bellamy
Megan Fox
 When absolute fox Megan (sorry) married Brian Austin Green after six years of dating, his 10-year-old son, Kassius was the couple’s only witness. Proud Brian is the first to congratulate Megan on her step-parenting skills, saying: “She's an amazing step mom. My son loves her. They have a great relationship. She's always had a special bond with him. They love each other to death. She's been in my son's life since he was two. She's been amazing.” Cute!
Rachel Weisz and Daniel Craig
 Glamorous Rachel married Bond man Daniel Craig in secret back in June 2011. Daniel became Rachel’s son Henry’s step dad, and she became step mum to his daughter, Ella. Rachel has recently <a href="http://www.parentdish.co.uk/2011/08/31/rachel-weisz-baby-announcement-star-not-ruling-out-bond-baby/" target="_blank">said she would love to have more children,</a> and we can only imagine how beautiful the pair’s kids would be!
LeAnn Rimes
 Popstar LeAnn was married to Dean Sheremet when she met dad of two, actor Eddie Cibrian, who was married to Brandi Glanville. The two fell in love, divorced their partners and got hitched, making LeAnn step mum to Dean’s two boys, Jake and Mason. LeAnn has been papped several times out and about with the boys, and says she is hands-on in her new family, saying: “It's not like we just have them on the weekends. I do homework and make lunches and I do normal things you would do as a mum and I enjoy it, that normal life that I've never had as a wife or as a mum.”
Katie Holmes
 Katie is of course mum to <a href="http://www.parentdish.co.uk/2011/06/16/suri-cruise-in-flat-shoe-shocker/" target="_blank">Suri, the trendiest tot we know</a>, but when she married Suri’s dad Tom Cruise, she became step mum to Tom and Nicole Kidman’s older adopted children, Connor and Isabella. While Nicole has expressed her sadness that the pair live with Tom, Katie and of course Suri, Katie reckons she’s fitted right on in, saying: “His first two children are incredible, really smart and kind. They call me Mom.” Meow!
Jada Pinkett Smith
 When <a href="http://www.parentdish.co.uk/2011/06/17/will-smith-is-desperate-for-more-children-but-wife-jada-says-no/" target="_blank">Jada got Will</a> down the aisle, she became step mum to his son, Trey, his teenage son with ex-wife Sheree Zampino. Their famous family now includes Willow, the international 12-year-old superstar, and Karate Kid Jaden, 14. Jada has said in the past she and Sheree put all their emotions to the side when she met Will, telling Oprah: “Sheree and I both had to make that decision because at the end of the day, we had Trey and he had to be our primary focus. So we had to put aside our own craziness, our stuff, all the baggage that comes with it. She and I just had to focus on, ‘What does he need?’”

Source: http://www.parentdish.co.uk/2012/10/17/danielle-lineker-interview-if-gary-lineker-had-four-girls-being-step-mum-might-be-difficult/

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Kalona Approves National Flood Insurance Program | KCII | The ...

Posted: Thursday, October 18th, 2012 at 6:23 am
Author: KCII News - Nathan Swenson

The Kalona City Council made a decision on the City?s participation in the National Flood Insurance Program this week. At Monday?s meeting the Council voted 4 to 1 to join the National Flood Insurance Program or NFIP.

City Administrator Ryan Schlabaugh shares residents will be able to purchase insurance through the program before the FEMA maps become effective on January 16^th of next year. He says affected residents can use any insurance provider that can write a flood policy.

If homeowners choose not to get the insurance, they?ll be entitled to less federal disaster funds through FEMA. Schlaubaugh adds houses located in high risk areas that are not covered will not be eligible for federally backed mortgages.

Source: http://www.kciiradio.com/2012/10/kalona-approves-national-flood-insurance-program/

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Home Improvement Has Never Been This Easy Before - PDF

Home Improvement Has Never Been This Easy Before

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Are you looking to start a home improvement project? If you feel that you are lost and you do
not know how to use any tools, then you're not alone. It's normal to feel this way, but you
don't have to, thanks to the information below. Read the following article to find out where to
begin with home improvements.

Think about adding coordinated metal fixtures to bathrooms to make them look more modern
without spending too much. There are lots of different finishes and styles available in drawer
pulls, shower curtain rods, toilet paper holders and towel racks. You can find complete,
coordinating packages of these items in many home improvements stores.

It's a good idea to have a professional take a look at your existing floors before you commit
yourself to the expensive proposition of installing all-new hardwood. You may already have
one under old carpet! You will wind up with a nicer looking, higher-quality floor for less
money.

Verify the credentials of all professionals you hire to work inside your home. Make sure the
workers have the experience and qualifications to complete your job with the highest quality
work. You should be able to avoid a lot of mishaps by checking credentials.

Chandeliers might also be a nice touch. Even some very fancy and very attractive
chandeliers can be purchased for well under $500, and they can add over a thousand dollars
worth of value to the home. Also, chandeliers add brightness to a room as well as a sparking
appearance.

Home improvement has much more to do with saving money than it does with spending
money. New appliances are more energy efficient. Fixing the roof and improving the
insulation of your house will save on heating costs. Always be mindful of your finances and
make a habit of planning ahead.

Most basements have very little, if any, natural lighting. Be sure to install enough lighting that
your basement is usable. In the best of scenarios, your basement will have a portion of the
walls that exceed ground level. If this is the case, you will be able to add some windows for
ambient lighting.

Adding weather stripping to both doors and windows can really help your home become
more energy efficient. With the materials available at most hardware stores, this is a very
easy and inexpensive change you can make to your home that will have a lasting impact on
both your cooling and heating bills. You will also realize that you can drastically cut out the
drafts on those extremely chilly nights.

Old toothbrushes prove to be great cleaning tools. Old toothbrushes will work in the sink,
around the faucet, or in the garage. Even better, they are free! When it is time to replace your
toothbrush, don't throw away a perfectly useable brush; instead, simply move it to wherever
you store your cleaning supplies. Use the money saved for future renovations!

Hopefully, the advice in this article will enable you to undertake some of the improvement
projects you have been considering around the house for a while now. There are few limits to
the different sorts of home improvement projects you can tackle if you invest the appropriate
amount of time educating yourself beforehand.

Source: http://pdfcast.org/pdf/home-improvement-has-never-been-this-easy-before

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Germany's Schaeuble urges big leap forward in euro integration

ABU DHABI (Reuters) - German Finance Minister Wolfgang Schaeuble has called for a great leap forward in European integration ahead of a summit of EU leaders, urging the creation of a new commissioner with power over budgets and reform of European Parliament decision-making.

Schaeuble, a longtime advocate of closer EU integration who is not shy about voicing his personal views, said he had spoken with Chancellor Angela Merkel about his proposals and that she was "somewhat more cautious".

"We must now make bigger steps in the direction of a fiscal union," Schaeuble told reporters on his way back from a trip to Asia. "We must use this chance."

He said a new "currency commissioner" should have the power to reject national budgets that were not in line with the euro zone's strict fiscal criteria, without specifying whether such a figure should have the power to impose penalties.

The model for the position would be the bloc's competition commissioner, who Schaeuble said was "feared in the whole world".

He also called for more flexible voting arrangements in the European Parliament to accommodate closer integration between euro zone states.

European officials are looking for ways to boost the democratic legitimacy of their drive towards a closer union, but have run up against the dilemma that the European Parliament includes countries from outside the euro zone.

"In the European Parliament lawmakers only from countries directly affected by a given issue should vote on it," Schaeuble said.

Such a reform would accelerate the trend towards a two-speed Europe, with the euro zone as an inner core.

UNEASE

Some of Schaeuble's ideas are likely to stir unease even within the euro zone, where countries such as France are reluctant to surrender more sovereignty to EU institutions.

Weaker economies such as Greece, reeling from German-backed austerity programs, will also be wary of entrenching the power of outsiders to run their financial affairs.

A previous proposal from Schaeuble for a "Sparkommissar", or savings commissioner, was quietly dropped after it stirred fury in recession-mired Greece and got a cool reception from Germany's other European partners.

Undaunted, Schaeuble said it was important to build momentum for greater fiscal and political integration, saying the bloc could launch a convention by December if it made good progress.

Merkel has previously said she would like the EU's December summit to agree a concrete date for the start of a convention.

The idea recalls the 100-plus strong gathering of EU lawmakers set up in 2001 - inspired by the Philadelphia Convention that led to the adoption of the U.S. federal constitution - charged with preparing a European charter.

The document that emerged was rejected by French and Dutch voters in 2005 and a watered down version ended up forming the basis of the EU's Lisbon Treaty, which is in force today.

Many member states, recalling the lengthy disputes and setbacks that preceded the Lisbon treaty's entry into force, are reluctant to embark on another process of institutional reform.

But Germany believes a much closer fiscal and political union is needed to ensure the success of painful economic reforms and the long-term survival of the euro currency.

"We need a lasting solution," Schaeuble said.

(Writing by Gareth Jones; Editing by Noah Barkin)

Source: http://news.yahoo.com/german-finance-minister-urges-eu-treaty-change-currency-082832392--finance.html

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