Used Car Houston Insurance

By Harvey Ong

An automobile is one of the costliest things in the world to have. It isn’t merely the cost of purchasing one, but you also have to factor in things like oil prices, maintenance costs, and insurance premiums. For most people, the basic coverage of an insurance policy is enough to suit their needs. However, used car Houston insurance is a different game. Texas laws can be harsher than laws in most of the other states for those caught in motor accidents, so many dealers suggest taking add-ons beyond the standard insurance package. When it comes to the used car Houston insurance game, there are a few things any buyer would need to know.

The standard package for used car Houston insurance usually has the same features as other states’ insurance packages, which would include collision coverage, personal damage liability, and personal property protection. For people that were involved in a vehicular accident, the minimum compensation, as required by the Texas insurance law, is $20,000, a number that can go as high as $40,000 in some cases. Clearly, the insurance game in the state of Texas is a high-stakes one. It should be noted that the insurance industry is always keen on mentioning that basic coverage hardly ever covers everything that needs to be covered when someone is involved in an automobile accident. It may sound like some sort of shady scam but, in reality, it is the cold truth of the matter.

[youtube]http://www.youtube.com/watch?v=wk2cCN06DJ8[/youtube]

For those who need more information on what clauses or features to add to their current insurance package, perhaps the best resource would be the Texas Department of Insurance. As a government agency, the Department of Insurance is the foremost authority on what would be the best additions to any insurance policy. The department’s website also has forums for consumers to air out their problems and experiences. The used car Houston insurance game can be confusing but the department exists to try and alleviate a number of worries and questions that Houston-based consumers have.

Another avenue for help in determining what to add to an insurance package would be the insurance provider himself. No one else would be better at answering questions about unclear clauses in an insurance contract than the company that wrote the contract, in the first place. The used car Houston insurance companies are also the best people to go to if one needs information on the best type of coverage for certain types of vehicles, as well as any other bit of information a consumer could think of.

The Internet, without a doubt, is also an excellent resource if one needs information on insurance features. While most websites are general in nature, there are websites that specialize in the used car Houston insurance field. The information has the possibility of being outdated or inaccurate but, in general, the websites have information that the department doesn’t have and the providers aren’t willing to give out. The Internet is hardly the definitive tool when looking up information regarding the used car Houston insurance industry, but the available information makes for excellent stock knowledge when negotiating with an insurance salesman.

About the Author: For more valuable information on Used Car Houston, please visit

classifieds.itrustmotors.com//cgi-bin/classifieds.cgi?db=cars

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FBI arrests nuclear engineer and wife on charges of espionage

Monday, October 11, 2021

In the United States on Saturday, the Federal Bureau of Investigation (FBI) and the Naval Criminal Investigative Service (NCIS) arrested a couple in West Virginia. Court documents released Sunday allege they tried to sell classified data to a foreign nation.

The Maryland couple, former U.S. Navy nuclear engineer Jonathan Toebbe and his wife Diana Toebbe, were both arrested and charged with violating the Atomic Energy Act. Mr. Toebbe worked on naval nuclear reactors and acoustic quieting. Ms. Toebbe is a teacher at the private Key School in their neighborhood in Annapolis, now on indefinite suspension according to the school.

U.S. Attorney General Merrick Garland said in regards to the case, “The complaint charges a plot to transmit information relating to the design of our nuclear submarines to a foreign nation.” The U.S. Department of Justice (DOJ) alleges the couple tried to sell this information to a foreign agent who was actually an FBI undercover agent.

Documents filed in federal court allege Mr. Toebbe arranged to sell restricted information to a foreign power identified only as “COUNTRY1” over several months via encrypted messages, and that he arranged “drops” of these data on SD cards in various locations in exchange for payments in cryptocurrency.

At the first of the drops in West Virginia, the DOJ alleges Mr. Toebbe hid an SD card in a peanut butter sandwich while Ms. Toebbe acted as a lookout. At the second of these in eastern Virginia, the DOJ charges that an SD card was placed in a chewing gum package. Federal officers arrested the couple at the third drop site, in West Virginia, on Saturday.

Both Mr. and Ms. Toebbe are set to appear in federal court tomorrow in Martinsburg, West Virginia.

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Former adult film actress forced to leave teaching job again

Friday, March 11, 2011

Tera Myers, a former actress in pornographic films, has left her position as a science teacher at Parkway North High School in St. Louis County, Missouri after her past was revealed by a student. This marks the second such controversy involving Myers, also known under the names Tericka Dye and the stage name Rikki Anderson. She was suspended by Kentucky’s McCracken County Public Schools system in 2006 after her career in pornography was made public.

Don Senti, interim superintendent of the district, said Myers was on administrative leave from her position at the school at her own request. Myers’ request, granted “out of respect for her privacy and that of her family,” came after a student inquired about her pornographic career. The district said Myers passed background checks before being hired as a teacher in 2007, but it did not know about her past until the student found out about it online, because her career in the pornography industry was legal. A Parkway representative said the Kentucky school at which Myers last worked was contacted in 2007 to verify her references, but no mention of her suspension or stint in pornography was provided.

Myers will continue to be paid until the end of the semester, at which time she is to leave the Parkway School District. “We’re surprised, very surprised,” said Parkway spokesperson Paul Tandy. “At the same time we feel for her and her family. We do believe she has tried to move on with her life … Unfortunately, even though it happened fifteen years ago, [the video] is still there.” According to Tandy, Dye “was concerned about the impact it would have in the building,” and, on March 4, informed the school’s principal of her past after being asked by the student. Myers also was the coach of the girls’ volleyball at Parkway North High School.

Myers previously taught at Reidland High School in Paducah, Kentucky, and was suspended in 2006 after a student there discovered her pornographic career. That May, Myers defended herself, saying, “Anybody who has been in my classroom could tell you how much I love teaching and how much I love these students, and that should be what matters more than anything in my past.” Known as Tericka Dye at the time, she protested against her dismissal and even appeared on the “Dr. Phil” talk show.

Myers said she became involved in the adult industry after working as an impoverished exotic dancer in California.

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Woman sells name on eBay

Wednesday, March 30, 2005

A Knoxville, USA woman has sold her name on eBay and received an offer. Terri Iligan, age 33, will legally be named “goldenpalace.com” after the required legal work is complete.

The casino owning the website paid $15,199 over the eBay auction service.

She said that she got the idea when trying to find how much it would cost to send one of her children to a golf school previously attended by Tiger Woods.

In an interview by Knoxville TV station WATE, she said, “To my kids and to my husband, I will always be Terri.” As to the opinion of her husband and children, she said, “He thinks it’s funny. As long as they get to call me mom, they don’t care.”

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Understanding All Aspects Of Your Realtor’s Qualifications

Submitted by: Darrell Self

It is a common misperception that realtors simply decide to become realtors — that perhaps they are trained more or less through the apprentice method, shadowing and learning from a “elder” in the field before going out on their own. Nothing could be farther from the truth.

First, individuals entering the field of real estate must take a course approved in their state to qualify for a real estate license. In Texas this involves more than 200 hours of in-class instruction in legal fundamentals, contracts, mathematics, property management, appraisals, and a host of related topics.

Once licensed, there are a variety of professional designations and certifications a realtor may earn. The vast majority of realtors avail themselves of this advanced training and coursework. In addition, all local realtor’s associations provide continuing education courses to keep their members abreast of changes in the law, in property transaction procedures, and other topics pertinent to their daily work with both buyers and sellers. MCE or mandatory continuing education is required (as the name implies) to continue to maintain one’s state real estate license.

If you see letters behind a realtors name, but have no idea what they mean, some of the most common include (but are not limited to):

** Accredited Buyer Representative (ABR) **

In order for a realtor to earn the ABR designation, they must complete a two-day Real Estate Buyer’s Agents Council (REBAC) core course, the REBAC web-based course, instruction delivered via satellite television, and an elective. After passing a written exam, the candidate must also prove they have fulfilled the practical experience requirements and are a member in good standing of REBAC and of the National Association of REALTORS.

** Certified Residential Specialist (CRS) **

[youtube]http://www.youtube.com/watch?v=k3N_iapkCSs[/youtube]

Fewer than 4 percent of realtors earn this certification, which is the highest that can be obtained by a sales associate. It has been in existence since 1977 and is based on a set of exacting requirements, including the completion of 75 transactions over a five-year period or the amassing of $25,000,000 in sales in five years.

** Graduate, Realtor Institute (GRI) **

Realtors who work in the field of residential real estate can earn this designation. It represents a particularly substantial education program of 90 hours of course work on a range of topics from real estate law to marketing and property servicing.

** e-Pro Internet Professional **

This designation was created to help real estate professionals stay abreast of the rapidly changing technology applicable to their field. e-Pro certified realtors have learned out to best make use of an online presence, effectively work with email communication, create web-based marketing strategies, and handle such tools as PDAs, smart phones, and digital cameras.

** Seniors Real Estate Specialist (SRES) **

Realtors with the SRES designation have received special training in working with clients age 50 years and older. They have targeted training in retirement income considerations effecting financing and the fine points of housing options in age-restricted and other special communities. They are also schooled in reverse mortgages, 401k accounts, pensions, and IRAs and the implications of all transactions as they relate to Medicare, Medicaid, and Social Security benefits.

** Understand All Aspects of Your Realtor’s Qualifications **

Because your home may be listed for months or you may need that length of time to find just the right property to buy, you are entering into an intimate business relationship when you select a realtor. Most people choose a real estate professional based on word of mouth, which is a valid source. A good recommendation from someone who has worked with the realtor and enjoyed a good experience is worth its weight in gold.

At the same time, the more you understand your realtor’s qualifications, the more you will trust their advice and guidance in both buying and selling property. Never hesitate to ask your realtor for:

– References. If one word-of-mouth recommendation is good, several are better and will give you even more peace of mind.

– Properties bought and sold. You’ll want to know the kinds of properties with which your realtor has worked on each side of the transaction. This will also give you a sense of the parts of the community in which they have worked most extensively.

– Resume. This should not only include professional job affiliations, but also certifications and designations earned. If you don’t understand what those items mean, ask or go online and do some research.

Additionally, you may want to read a copy of the National Association of REALTORS Code of Ethics, a document adopted in 1913 and to which all professional realtors are bound. The important thing for you to understand is that you are working with an educated real estate professional who adheres to a code of behavior that emphasizes honesty and responsibility.

While all realtors will likely point to a mentor who “showed them the ropes” and helped them to learn the daily ins and outs of the business, real estate is not an apprentice-based business

nor is it one that can be entered into on a whim without proper training.

REALTOR

is a registered trademark of the National Association of Realtors.

About the Author: If you’re buying or leasing a home in Dallas | Fort Worth Texas(DFW), Darrell Self can help you. Are you searching forFrisco Texas real estate? If so, find properties here:

dmdrealtydfw.com/frisco-homes-for-sale/

Are you relocating to Dallas? Then, visit

dmdrealtydfw.com/

.

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Late-night vote sets Obamacare up for filibuster-free repeal

Saturday, January 14, 2017

At 1:30 a.m. on Thursday morning the United States Senate voted to include the repeal of the Affordable Care Act, better known as Obamacare, as part of a budget blueprint. This procedural measure allows most of Obamacare to be repealed by a simple majority rather than the usual requirement of 60 out of the senate’s 100 votes and effectively prevents the use of filibuster.

“We’re working with legislative leaders at this very moment to begin to craft legislation that will repeal the most corrosive elements of Obamacare — the individual mandate, the taxes, the penalties — but at the same time, moving separate legislation that will allow us to introduce the kind of reforms in American health care that’ll lower the cost of health insurance without growing the size of government,” said Vice President-elect Mike Pence.

Democratic Senator Maria Cantwell of Washington had a different view, going so far as to call this “stealing health care from Americans.”

The filibuster is a last-ditch tactic in which parties opposed to a certain motion refuse to relinquish the floor until their opponents give in or compromise.

Although the 51-48 vote was mostly along party lines, some Republicans have expressed uncertainty about repealing Obamacare before a replacement system is worked out. Although president-elect Donald Trump has called for a “repeal and replace” plan, saying that a new health care system would be enacted “almost simultaneously,” many in government and the press have expressed doubts about whether this would actually happen.

Senator Susan Collins of Maine said she would like to at least see a well-constructed plan before voting and Senator Johnny Isakson of Georgia said repealing Obamacare without replacing it was “unacceptable.” These concerns were shared by members of the House of Representatives. “We need to be voting for a replacement plan at the same time that we vote for repeal,” added Representative Mark Meadows of North Carolina. Representative Tom MacArthur of New Jersey agreed, saying, “We’re loading a gun here. I want to know where it’s pointed before we start the process.”

Anna Merlan of Jezebel and Anthony Taylor of the Associated Press dismiss Trump’s timeline as “impossible” given the complicated nature of U.S. congressional workings. Senator Collins agreed, saying “I don’t see any possibility of our being able to come up with a comprehensive reform bill that would replace Obamacare by the end of this month. I just don’t see that as being feasible.”

The Affordable Care Act, which is often cited as a key accomplishment of the Obama administration, has had a mixed reputation, and many conservatives believe a market-based health care system would be more flexible and efficient and less costly, and many believe that the Affordable Care Act only passed because of Obama’s later discredited pledge that no one who liked their current health plan would have to switch. Matt O’Brien of The Washington Post claims a large tax cut that would result for the wealthiest 1% of citizens if Obamacare funds were not converted to other purposes, estimated at about $32,820 annually per person by the Tax Policy Center, is also a significant motive.

Republican Senators set a date of January 27 to repeal Obamacare, according to NBC News. House Majority Leader Kevin McCarthy of California says legislation repealing Obamacare and replacing it could ready by late February. According to Democratic Senator Bernie Sanders, as many as 30 million people could lose their health insurance if the ACA is repealed.

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Mother, daughter accused of stealing of husband’s $3.5 million lottery ticket

Saturday, October 4, 2008

On April 4, 2008 Bobbi-Jo Arnold, accompanied by her mother Mary Patricia Moore and other family members, claimed a $3.5 million lottery ticket win in Toronto. On October 2 the two women were arrested by Ontario Police. Both are facing charges including fraud over $5000, possession of property obtained by crime, false pretenses and uttering a forged document. They allegedly stole the ticket from Moore’s then-husband.

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The question is really he said/she said in a divorce case. If he is trying to claim the daughter’s ticket, is he as evil as his wife would be if she stole the ticket from her husband?
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The family dispute has led to Ms Moore (59) filing for divorce from her husband of ten years, Gerald Moore (81), in August. Mr Moore alleges Ms Arnold received the ticket from her mother, who took it from his bedside table. He further alleges his wife “manipulated” his medications to leave him incapable to grasp what was occurring. The Ontario Lottery and Gaming Corporation is also named in Mr Moore’s civil suit for alleged negligence in investigating Ms Arnold’s claim.

The bail judge’s order requires Ms Moore to live with her daughter Arnold in a home she purchased with the lottery winnings, and not with her husband. As well, both women are ordered not to leave Essex County, Ontario and to surrender their passports to the police.

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Council of Australian Governments agree on reduced environmental regulation

Saturday, December 14, 2013

At a meeting of the Council of Australian Governments yesterday leaders of the Australian states and territories agreed to a deal with Australian Prime Minister Tony Abbott which would delegate more environmental decision-making powers to the states and territories about projects that might affect the environment. The “one-stop shops” policy would mean that the states would do more of the assessments for projects with the intention that eventually some states would have the full authority to make the decisions.

Two states, Queensland and New South Wales, have agreed with Abbott a policy of “assessment bilaterals”. Abbott described them as follows: “Under those assessment bilaterals the states will do all the assessment work and we hope that in the not-too-distant future we will have approvals bilaterals in place which will mean the states will not only do the assessment but will also do the approvals.” All of the states and territories signed memoranda of understanding with the federal government on the issue of environmental regulation.

Tony Abbott argued it would not harm the environment and the “same high standards of environmental approval” would be used, but decisions would be quicker. The Australian government would still hold the power of veto over projects they deem environmentally problematic.

The Business Council of Australia welcomed the move, saying the regulation changes were a “long overdue breakthrough”.

The Australian Green Party has condemned the policy. Senator Larissa Waters, environment spokeswoman for the Greens, told reporters: “These deals pave the way for Tony Abbott to abolish a 30-year-old federal safeguard for our most precious natural places and wildlife, established when Bob Hawke stepped in to save the Franklin from being dammed […] Labor governments in South Australia, Tasmania and the ACT are trashing Bob Hawke’s legacy and contradicting federal Labor’s position”.

She continued: “Tony Abbott wants to put states and territories in charge of approving environmentally destructive projects that impact our World Heritage Areas and nationally endangered species.”

Jess Abrahams from the Australian Conservation Foundation also expressed opposition to the changes: “The memoranda of understanding signed today paves the way for the undoing of 30 years of national protection for places and species of national environmental importance”.

The Council also discussed truancy by indigenous students and the National Disability Insurance Scheme.

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Creating Beautiful Stained Doors

bytimothyharvard

When buying top quality, hand crafted exterior doors, it is always important to consider having the stain put on the door at the company. This is particularly true if the door has sidelites, a transom or both as these are considerably more complicated to stain perfectly to the same color of the stained doors without proper experience.

However, even if you do buy stained doors from the company, there will come a time when the stain needs to be redone. This will depend on the exposure of the door to direct sun, rain and wind as well as the wear and tear on the door over time.

Removing Doors

[youtube]http://www.youtube.com/watch?v=pycR0kVRpEA[/youtube]

The key to getting stained doors to have a beautiful, uniform application of stain without streaking or running is to remove the door before doing any work. This is done by removing the hinges and then placing the door on a flat surface.

Do not use an uneven surface as this can damage the door. It can also cause the door to rub in some areas and scratch and damage the wood or the glass.

Remove the Old Stain

Use the stain remover recommended by the company. Stained doors will need to be stripped of the old stain and then washed and sanded before new stain is applied. Sanding is used to create a smooth, uniform surface which will take the new stain and create a consistent color.

Always make sure the door completely dries between each step and remove any grit or debris from sanding with a soft cloth. The cleaner and smoother the door is, the better the final result with stained doors of any wood type.

Apply the New Stain

When choosing stain for your stained doors use a stain type recommended by the door manufacturer. Apply the stain according to directions, working in small areas, and completing the entire door at one time. Avoid doing only parts of the door as this will cause irregular coloration.

Allow the stain to dry completely before applying the varnish or sealant to stained doors. The sidelites and transom will be done using the same process, but they will not be taken down to prepare and stain.

If you are not comfortable with the process, most carpenters and painters can also complete your stained doors. Be sure to ask about their experience and expertise to ensure they can do the job the way you want it done.

Let us handle the stain on all the stained doors from our extensive online inventory. As the first door company to sell doors online, we have the experience to make your door look beautiful. To learn more visit Nick’s Building Supply, Inc. or go to www.nicksbuilding.com. You can also visit our Facebook page for more information.

Danish Integration Minister’s car burned

Wednesday, June 8, 2005

Copenhagen, Denmark – The Danish Integration Minister Rikke Hvilshøj’s car was set ablaze outside her family-home on the morning of Wednesday 8 June. From there, the fire spread to the family’s garage, and further on to the side of the house, damaging the roof above the kitchen and children’s room.

At the same time, an e-mail was sent to several media agencies, where a group calling themselves “Action Group Beate” claimed responsibility, saying it is a “protest against the racist immigrational laws of Denmark”. The police found the computer used for sending the mail within a few hours, and closed down the cybercafé whilst removing the computer.

Throughout the Danish political system politicians from both the ruling party and the opposition have expressed their outrage over the terrorism.

The insurance company is currently assessing the amount of damage done to the home, but so far they have made an estimate of £27.000, just for the house damages.

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