Property Owners Need To Add Flood Coverage To Their Homeowner’s Insurance In Scranton Pa

byadmin

Your homeowner’s insurance policy protects you against losses from a number of events. If a storm damages your roof, your home is broken into by burglars or a fire completely destroys your home, you can depend on your Homeowner’s Insurance in Scranton PA to cover the costs of the damage up to the limits of your policy. However, if rising waters cause damage to your property, homeowner’s insurance alone will not protect you.

Most homeowner’s insurance policies specifically exclude water damage caused by flooding. While your policy may offer some coverage if the water originates inside your home, such as from a broken water pipe, you can’t file a claim for water that originates outside your home. Fortunately, flood insurance is available to cover these occurrences and get you back on your feet after high water effects your Scranton home.

A good flood insurance policy covers the structure and the contents of your home. If your home has a basement, though, it may not be covered. Be sure to check your policy and move anything you can’t afford to replace to a higher floor in your home. Coverage may also be limited to property inside your home. Your landscaping and swimming pool may not be covered under a flood insurance policy. Be sure to talk to your insurance agent if you need to cover outdoor property.

Flood insurance is a great addition to your Homeowner’s Insurance in Scranton PA whether you live near the water or not. This worthwhile addition to your homeowner’s insurance policy will protect your investment whether your carpets or your foundation are damaged by the flood. Expect to pay an additional premium for flood insurance but if your home is ever consumed by water, it will be worth it.

You may be able to save a significant amount of money on all of your insurance products if you buy them from a single company. By choosing an insurance agent such as Florey Insurance Agency of Scranton PA, you can buy your homeowner’s, auto and life insurance as well as a flood insurance policy and get multi-policy discounts for your loyalty.

US unemployment rate reaches 9.8%

Friday, October 2, 2009

Companies in the United States are shedding more jobs, pushing the country’s unemployment rate to a 26-year high of 9.8%.

The US Labor Department said on Friday that employers cut 263,000 jobs in September, with companies in the service industries — including banks, restaurants and retailers — hit especially hard. This is the 21st consecutive month of job losses in the country.

The United States has now lost 7.2 million jobs since the recession officially began in December 2007. The new data has sparked fears that unemployment could threaten an economic recovery. Top US officials have warned that any recovery would be slow and uneven, and some have predicted the unemployment rate will top 10% before the situation improves.

“Continued household deleveraging and rising unemployment may weigh more on consumption than forecast, and accelerating corporate and commercial property defaults could slow the improvement in financial conditions,” read a report by the International Monetary Fund’s World Economic Outlook, predicting that unemployment will average 10.1% by next year and not go back down to five percent until 2014.

Mark Zandi, chief economist at Moody’s Economy.com, said that “it’s a very fragile and tentative recovery. Policy makers need to do more.”

“The number came in weaker than expected. We saw a lot of artificial involvement by the government to prop up the markets, and now that that is starting to end, the private sector isn’t yet showing signs of life,” said Kevin Caron, a market strategist for Stifel, Nicolaus & Co.

Also on Thursday, the US Commerce Department said factory orders fell for the first time in five months, dropping eight-tenths of a percent in August. Orders for durable goods — items intended to last several years (including everything from appliances to airliners) — fell 2.6%, the largest drop since January of this year.

The US government has been spending billions of dollars — part of a $787 billion stimulus package — to help spark economic growth. There have been some signs the economy is improving.

The Commerce Department said on Thursday that spending on home construction jumped in August for its biggest increase in 16 years. A real estate trade group, the National Association of Realtors, said pending sales of previously owned homes rose more than 12 percent in August, compared to August 2008.

A separate Commerce Department report said that consumer spending, which accounts for more than two-thirds of US economic activity, rose at its fastest pace in nearly eight years, jumping 1.3 percent in August.

Other reports have provided cause for concern. A banking industry trade group said Thursday the number of US consumers making late payments, or failing to make payments, on loans and credit cards is on the rise. A survey by a business group, the Institute for Supply Management, Thursday showed US manufacturing grew in September, but at a slower pace than in August when manufacturing increased for the first time in a year and a half.

Stock markets reacted negatively to the reports. The Dow Jones Industrial Average fell 41 points in early trading, reaching a level of 9467. This follows a drop of 203 points on Thursday, its largest loss in a single day since July. The London FTSE index fell 55 points, or 1.1%, to reach 4993 points by 15.00 local time.

Wikinews Shorts: December 9, 2008

A compilation of brief news reports for Tuesday, December 9, 2008.

 Contribute to Wikinews by expanding these briefs or add a new one.

The United States media group Tribune Company has filed for bankruptcy protection on Monday as it struggled to sort out its US$13 billion debt. It is the second-largest newspaper publisher in the United States, responsible for the Chicago Tribune and the Los Angeles Times, among others.

The firm has been hit hard by the industry-wide slump in newspaper advert revenues this year. Sam Zell, the billionaire who owns Tribune, took out large loans in order to buy the firm back in June of 2007.

The United States Chapter 11 bankruptcy protection law states that a company can continue trading whilst it sorts out its finances.

Sources

  • “US publisher in bankruptcy move” — BBC News Online, December 8, 2008
  • “Tribune files for Chapter 11 bankruptcy” — MarketWatch.com, December 8, 2008

 This story has updates See Quebec’s Liberal premier Jean Charest wins third term 

The Quebec general election is underway in the Canadian province of Quebec. Premier Jean Charest called the elections, saying he needed a majority to guide Quebec through a period of economic difficulties caused by the worldwide financial crisis.

Polls indicate that the Charest may obtain a majority, with support for his Quebec Liberal Party increasing to 45%, while support for the Parti Québécois remains at around 30%.

The polls will close at 01:00 GMT (20:00 local time), and the results will probably come in soon after that.

Sources

  • “Quebec voters head to the polls” — BBC News Online, December 8, 2008
  • “Quebec votes in provincial elections” — Agence France-Presse, December 8, 2008

The United States government is reportedly close to an agreement for a US$15 billion bailout plan for the country’s three largest auto firms.

According to a draft obtained by the Associated Press, the deal would give loans to Detroit‘s struggling Big Three automobile manufacturersFord, General Motors, and Chrysler — but under the condition that the auto industry restructures itself to survive. Another condition is that the incumbent US President, George W. Bush, would appoint an overseer to supervise the effort.

Analysts suggest that the agreement could be signed into law by the end of this week.

Sources

  • “White House cool to plan for auto bailout” — MSNBC, December 8, 2008
  • “US car bail-out nears agreement” — BBC News Online, December 8, 2008

Categories
Timber

Have Some High Times With The High Stepping Tennessee Walker

By Crystal A. Eikanger

In the early 1800s, Narragansett Pacers and Canadian Pacers were crossbred by breeders in the U.S. state of Tennessee while looking for a horse that could handle the hilly terrain of the area. Confederate Pacers and Union Trotters were added to the gene pool during the Civil War, creating the sturdy Southern Plantation Horse, which was also known as the Tennessee Pacer. Thoroughbred, Standardbred, Morgan, and American Saddlebreds were later added to refine and add stamina to this gaited horse. In 1885, a colt named Black Allen out of the Hambletonian family of Standardbreds and a Morgan mare was born. He became the foundation sire of the Tennessee Walking Horse, also known as the Tennessee Walker, or TWH.

The Tennessee Walking Horse Breeders’ and Exhibitors’ Association (TWHBEA) is the official registry and was founded in 1935. Headquartered in Tennessee, it is the oldest organization devoted to the Tennessee Walking Horse. In order to maintain breed purity, the stud book was closed in 1947 and now every TWH born after that date must have both parents registered with TWHBEA in order to be registered themselves. There are more than 430,000 registered Tennessee Walkers throughout the world and the breed has become the second-fastest growing breed in the nation.

Every year, a ten-day exhibition in the town of Shelbyville, Tennessee called the “Tennessee Walking Horse National Celebration” draws over 30,000 breeders, exhibitors, and spectators. The show is so large that Shelbyville bills itself as the “Walking Horse Capital of the World,’ and now the Tennessee Walker is the official state horse of Tennessee.

The Tennessee Walker is a tall horse ranging from 13.2 to 18 hands with an average of 15-17 hands high and a weight of 900 to 1200 pounds. It has a long neck, a long sloping shoulder, a long sloping hip, a fairly short back and an elongated stride. The head is traditionally large but refined and has small well-placed ears. At least 20 color choices are available. Black, roan, chestnut sorrel, bay, champagne and pinto are the most common. The TWHBEA now recognizes the sabino pattern since many past registered roans were actually sabinos.

A TWH foal is never gray at birth but may begin to turn gray when the foal coat is shed or maybe not until several years later. When they start to turn gray, it is progressive and they continue to lighten until they are nearly white. If they are white with specks of color, they are referred to as a flea bitten gray. The birth color remains on the registration if the foal turns gray, but gray is then added to the base color, i.e., black/gray, palomino/gray, etc.

The Tennessee Walker has three distinct gaits: the flat foot walk, the running walk or “big lick”, and the rocking horse canter, all of which the breed is famous for, with the running walk being an inherited, natural gait unique to this breed. Many are also able to perform the rack, stepping pace, fox-trot, single-foot and other variations of the famous running walk.

[youtube]http://www.youtube.com/watch?v=5sc5WOFjTUE[/youtube]

The Flat Walk is a brisk, 4 to 8 mile an hour, long-reaching four-cornered gait where each foot hits the ground separately at regular intervals. The action of the back foot slipping over the front foot’s track is known as overstride and is unique to this breed. A Tennessee Walking Horse will nod its head and swing its ears in rhythm with the cadence of its feet. This distinctive nodding head motion, along with overstride, are two features that are unique to the Tennessee Walking Horse.

The Running Walk is the extra-smooth, gliding gait for which the walking horse is most noted and is referred to as “big lick”. It is the same as the flat walk only at 10-20 miles per hour. As the speed increases, the horse overstrides the front track with the back by between 6 to 18 inches. The running walk has a motion that gives the rider a feeling of gliding through the air and the Tennessee Walker will continue to nod and swing its ears during this gait. Some horses even click their teeth during the big lick.

The Canter is much the same as other breeds, but the Tennessee Walker seems to do it in a more relaxed way. This gait gives the rider a feeling of ease with lots of spring and rhythm. In fact, the canter lifts the front of the body, giving an easy rise and fall motion that gives it the “rocking-chair” name.

The TWH easily adapts to both English and Western tack and attire and there are two main categories of competition under both disciplines: Performance and Flat Shod.

The Flat Shod variety has grown tremendously popular due to the easy training of the breed without the need of a professional trainer, and the naturally inherited gaits with no foot enhancements, although the plantation class may wear a heavier shoe. If used for pleasure riding, no special shoes are required, although when they are shod, it will be at a slightly lower angle with more natural toe than some of the other western type horses. A record of these angles and foot lengths should be kept handy for when the farrier comes by.

The Performance Horse (sometimes referred to as padded or built up) is shown in English attire and tack. It executes the basic gaits with flashier and more animated movements, particularly the “big lick.” They appear to sit on their hind quarters, lifting their front feet high off the ground. They may also use tail braces.

Additionally, Performance horses are shod in double and triple-nailed tall pads to add dimension to the hoof to provide a sounder base and to change certain angles and paths in the motion of the front hooves. Additionally, lightweight chains, or “action devices” are worn around the fetlocks of the front legs to accentuate the gaits to make them showier. Pads are training devices and an integral part of the training because when utilized properly, they can aid greatly in accentuating the gaits of the show horse. However, their effectiveness will vary with the individual horse.

However, there is a dark side to the Tennessee Walking Horse’s showy gaits. The use of pads and the accompanying chains that go with them is highly controversial, since some people put irritating chemicals on the pasterns to make them sensitive and sore when the chains touch. The practice has become so widespread that USDA inspectors are now attending shows to look for evidence of “soring” which is the illegal practice of deliberately injuring a horse’s front feet to get it to step higher.’ Some owners even use eye drops to temporarily blind their horses which makes them lift their hooves higher to try to feel their way around. For more information on soring, what the pads and chains look like, and to see the big lick in action, watch the CNN Special Assignment video on the walkinonranch website.

These horses also tend to have joint problems because we tend ask them to do things they weren’t designed to do. Show horses tend to shift their center of gravity to the rear, thus placing more stress on the hind limbs (especially the hock and pastern joints). The goal is to move with a lot of high front-end action and this is particularly true of the Tennessee Walker in competition. Horses that have more of a weight load on the rear legs are going to be prone to hock, rear fetlock, and stifle injuries and disease.

There are also a couple of genetic concerns with the Tennessee Walking Horse. Equine Polysaccharide Storage Myopathy (EPSSM) which appears in the form of muscular atrophy, abnormal gait, back pain, and post anesthetic myopathy have been described and are thought to be inherited.

Equine Recurrent Uveitis (ERU) or “moon blindness” can lead to blindness if not treated. The University of Minnesota is currently conducting research to determine if there is a genetic factor involved and a potential gene region that may be linked to the condition may have been identified.

While these horses are famous for flashy movement, they are quite popular for simply pleasure riding. Combined with having an easygoing, docile temperament and being easy to train, their naturally smooth and easy gaits insure the popularity of the Tennessee Walker as the ‘world’s greatest show, trail, and pleasure horse’.

About the Author: Crystal Eikanger writes for

HorseClicks.com

, classifieds of

Tennessee Walkers

for sale and other breeds,

equestrian real estate

,

used and new saddles

and horse tack.

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China’s consumer prices rise to a three-year high in June as food prices soar 14.4 percent

Monday, July 11, 2011

China’s National Bureau of Statistics released data Saturday showing that the consumer price index (CPI) for June climbed 6.4% from a year ago. That compares with a 5.5% rise in May, which was the largest since a 6.3% increase in July 2008. The major factor contributing to this figure was the steep rise in food prices which climbed 14.4%. Pork is a major food staple in China, and its price rose 65% from last year.

Analysts predicted that China’s inflation would peak in June, but particularly worrisome was the steep rise in the cost of food from the same time last year and up from 11.7% in May, indicating that Beijing may have difficulty in controlling inflation.

We must treat stabilising overall price levels as the top priority … and keep the direction of macro-economic adjustments unchanged.

China is the world’s second largest economy, having grown robustly in the last two years driven by a 2009 governmental stimulus package of $586 billion and low interest rates offered by state-owned banks. These were directed at promoting investments in real estate construction and government infrastructure projects, enabling China to lead the global recovery after the collapse of the U.S. mortgage market led to a worldwide recession.

Now Beijing is attempting to slow its fast pace of growth, fearful of inflation, by restricting bank lending and raising interest rates. High inflation along with high property values could hurt the economy. Since October, China’s Central Bank has raised interest rates five times.

Many factors are contributing to China’s inflation, including higher wages for migrant workers, increases in the prices of food and gasoline, as well as diminished output from crucial agricultural areas cause by droughts and flooding this spring.

Today, China’s Premier Wen Jiabao indicated that the war on inflation was continuing and controlling inflation was a top priority for the government, increasing expectations that interest rates would be further increased.

If they signal any comfort with inflation, and inflation is as high as it is now, they could create an environment in which people would panic, and they can have a real problem on their hands.

“We must treat stabilising overall price levels as the top priority of our macro-economic controls and keep the direction of macro-economic adjustments unchanged,” Wen said today in comments reported on the central government’s website. He had said in March that the ruling Communist Party is worried that a continuing rise in food prices could result in public protests.

Wen said the government would boost the supply of hogs to keep the price of pork stable, the price of pork being the major contributor to China’s food inflation index and the most closely watched item on it.

“If they signal any comfort with inflation, and inflation is as high as it is now, they could create an environment in which people would panic, and they can have a real problem on their hands,” said Tim Condon, Asian researcher at ING.

As markets worried about the news of Chinese inflation as well as concerns about the European debt crisis, oil dropped below US$95 a barrel today.

Cilla Black funeral held in Liverpool

Friday, August 21, 2015

Stars from the world of showbusiness joined fans and mourners yesterday at the funeral of the popular entertainer Cilla Black. Her coffin was transported in a cortege in Liverpool where she grew up, with hundreds of people paying their respects. Some were holding memorabilia related to Black’s 50-year long career in entertainment, which included singing and presenting television programmes such as Blind Date.

Tom Williams, auxiliary bishop of Liverpool, conducted the Roman Catholic mass in St Mary’s Roman Catholic Church in Liverpool’s Woolton area. This is the same church that Black got married in 1969 to Bobby Willis, who died in 1999 after 30 years of marriage. Eulogies were delivered by Cliff Richard and Paul O’Grady together with poems read by two of Black’s sons. Further tributes were paid by Tom Jones, who flew in specially for the funeral.

After the service, Black was to be interred in a private ceremony, next to the graves of her parents at the Allerton cemetery. She died early this month, aged 72, after she fell at her home in Spain and suffered a stroke.

Categories
Cosmetic And Reconstructive Surgery

Avoid Bad Skin With Anti Aging Herbs

By Ray A. Rubio

As you age, your skin will age with you. So, to prevent sagging skin, eye bags, wrinkles and spots from appearing on your skin, you need to start taking care of it right away. There are many anti-aging products available on the market today, but not all of them are guaranteed to work for your skin. In fact, many of those products claiming to help your skin may actually harm it. So, other than these synthetic products, what remains? All natural anti-aging herbs! There are a variety of herbs out there that can help you keep your skin looking and feeling young. Many today have heard about anti aging herbs but are unaware of how they can actually help to avoid bad skin with them. So, here are some helpful tips that you can follow.

One of the most well known herbs you should use is the Aloe Vera. You can buy Aloe Vera in most nearby stores, or even grow them in your own home in a pot or backyard. Not only is the Aloe Vera good for removing dead skins cell, it also soothes and treats sun burns, moisturizes the skin, soothes insect bites and many other skin irritations. Use the Aloe Vera to keep your skin young, fresh and smooth looking all day long.

If you are looking for an herb that will keep your skin healthy and soft, try using Comfrey and Calendula. They are able to reduce redness in your skin and keep it soft and smooth looking. Comfrey and Calendula can help to rejuvenate and re-hydrate your skin, allowing you to fight all signs of aging effectively.

[youtube]http://www.youtube.com/watch?v=BMnparqmJ5I[/youtube]

Herbs that are best for keeping the skin healthy are ones that stimulate skin cell rejuvenation in the body. St. Johns Wort is an herb which does just that and it works from inside the body. Research has shown that stress and other mental problems can be reasons for your skin to age faster. So, St. Johns Wort effectively helps people cope with their stress faced, and gives the skin a natural glow by working internally.

Gotu Kola is an herb that can rejuvenate your skin cells quickly as well as promote natural restoration of it. In the east, it is often used as an anti-inflammatory agent. There is a special compound in Gotu Kola called Triterpenoids that strengthens the skin and increases blood flow. This herb will be able to speed up skin cell regeneration, leaving your skin looking young and smooth.

Lastly, if you are you looking for an all natural way to get remove old wrinkles, then you should use a wet compress of Cleaver. Cleaver is a common herb and can be found in most locations in the country. It tightens your skin to reduce the visible wrinkles in it, thus aiding you in your fight against aging.

You can use these herbs whether you are young or old. They will not only help your skin now but prevent bad skin from developing in the future. You can wash your face with an herbal treatment every day, or drink tea made from herbs to keep your skin healthy and vibrant looking. Whether you are interested in finding a way to strengthen your skin, tighten it, remove acne or improve the quality of your skin, there are many types of herbs available that will do that for you. Anti- aging herbs will enhance the quality of your skin no matter what problems you are facing with it.

About the Author:

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to get free advice on how you can enhance the look of your skin. Ray A. Rubio is a skin care specialist providing advice on choosing the

best wrinkle cream

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for more details.

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Wikinews interviews Jim Babka, chair of Libertarian organization Downsize DC

Thursday, April 3, 2008

A reporter from Wikinews recently interviewed Jim Babka, chair of Libertarian organization Downsize DC. The organization claims to have arranged for 22,158 people to send a message regarding the “American Freedom Agenda Act” proposed by Ron Paul, in addition to supporting many other laws. The full text of the interview can be found below.

Ukraine opposition candidate Yushchenko is suffering from a Dioxin intoxication, doctors say

Saturday, December 11, 2004

VIENNA —Doctors from the Rudolfinerhaus clinic in Vienna say “there is no doubt” Ukrainian opposition leader Victor Yushchenko was poisoned with Dioxin.

Yushchenko’s body had about 1,000 times more than the normal concentration of the toxin. It is unknown if there were any other poisons in his system.

Although it has not yet been proven that the poisoning was deliberate, doctors suspect it was. “We suspect a cause triggered by a third party,” said Michael Zimpfer, head doctor at the Rudolfinerhaus clinic. He suggested the poison may have been administered orally, through food or drink.

Today’s announcements are a follow-up of an earlier press conference, where Dr. Korpan that there were three hypotheses under consideration, one of them involving dioxin. He did not reveal what the other two hypotheses were. Dr. Michael Zimpfer, director of the Rudolfinerhaus clinic emphasized that time there was no proof yet to specify the substance causing the illness.

Yushchenko left Kiev on Friday (2004-10-12) for further examination in Vienna. When Yushchenko fell ill on October 6th, Ukrainian doctors had initially diagnosed food poisoning, leading to speculation that he had been poisoned deliberately. The illness has disfigured Yushchenko’s body and face which doctors say could take up to two years to heal.

He fell seriously ill on the September 6th, during his presidential campaign. Yushchenko was taken to the Rudolfinerhaus clinic of Vienna, where he stayed for four days under Dr. Korpan’s care. He was diagnosed with “acute pancreatitis, accompanied by interstitial edematous changes.” These symptoms were said to be due to “a serious viral infection and chemical substances which are not normally found in food products” as his campaign officials put it. In laymans terms, he developed an infection in the pancreas and got a bad skin condition that disfigured his face with cysts and lesions. The skin condition has similarities with the chloracne associated with dioxin posioning according to a British toxicologist John Henry.

  • nu.nl (Dutch)
  • BBC News
  • “Is Viktor Joesjtsjenko vergiftigd?” — Brabants Dagblad, 26 November 2004
  • Jeremy Page. “Who poisoned Yushchenko?” — The Times, 8 December 2004
  • Federica Castellani. “Yushchenko’s acne points to dioxin poisoning” — Nature.com, 8 December 2004

Earlier, doctor Nikolai Korpan of Rudolfinerhaus clinic confirmed today that the illness of Ukrainian presidential candidate Viktor Yushchenko was caused by an attempt to kill him.

  • Ukraine political crisis – Wikinews’ special coverage portal

Categories
Dog Rescue

Do You Need A Vet Clinic In Richmond, Tx?

byAlma Abell

Every one of us who owns pets understands just how emotionally difficult it can be when they are sick. Indeed, many animals suffer from congenital illnesses and conditions, and it is at these times that finding a reliable vet is extremely important. But just what should one look for in a good veterinary hospital or clinic?

How to Identify a Good Vet Hospital

Every pet owner wants to be assured that when their furry, feathered, or scaled friend is sick, they will be well taken care of at a great vet clinic in Richmond, TX. While there are many clinics around, not all of them offer the same levels of service.

Ideally, one should identify a vet clinic in the local area that offers the following services:

  • Surgeries: Many pets suffer from congenital conditions, such as hip problems. In cases like this, it is wise to be able to call an experienced local vet, such as Greatwood Veterinary Hospital, which offers a full suite of surgical procedures and has the latest equipment.
  • Vaccinations: Do you know how up-to-date your pet’s vaccinations are? It is vital that your dog is vaccinated regularly for Parvo virus, for example. Going to see your friendly local vet and building rapport with them will mean that your pets are all up-to-date on their vaccinations and are well-cared for.
  • Pet boarding: Did you know that some vet clinics actually offer high quality pet boarding services as well? This may not be typical of every vet clinic, but if you can find one that offers it, you may have just found your new local vet!

If you want to find a local vet hospital that truly cares, make sure you call around, ask them questions, and even ask your friends and family about their vet experiences.

Visit website to know more about the best vet clinic in Richmond, TX.