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Affordable Houses For Sale

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Looking to move to a new place in Missouri? Why not consider some of the fine houses for sale in Lake of the Ozarks?

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Lakeside Life

Having your home by a lakeside can be quite an enjoyable experience. First, there is the beautiful view of the lakeside and the activities revolving around it. Housing areas by lakesides are often quite tranquil compared to housing areas near cities. It is sure to do your mind some good. Also, if you are up for it, having lakeside property also allows for an easily accessible boating experience. Those reasons and more spurred on the development of housing areas around the Lake of the Ozarks, where many houses are currently up for sale.

A Potential Investment

Buying property on good locations can also turn out to be quite an investment later on, especially if you add to the value through good remodeling work because the value of property typically rides on an upward trend since everyone needs a place to live. While getting a house on prime real estate can oftentimes turn out to be very costly, there are houses for sale in Lake of the Ozarks region that won’t break the bank, should you know where to look. Houses for sale in Lake of the Ozarks range from modest dwellings to decently-sized ones that can comfortably house a growing family.

For the full listing of the many lakeside houses for sale, one can drop by their website at www.janekelly.com. If you are in need of further assistance, you can chat live with a member of the team.

Fiji makes progress on gender roles according to 2012 Report on Gender Equality and Development

Friday, September 27, 2013

On Tuesday the World Bank released the 2012 World Development Report on Gender Equality and Development. For Fiji, the report focused on progress being made in the country as it relates to gender roles and the local impact of the Convention on the Elimination of All Forms of Discrimination Against Women.

Girls from Fiji believe they can attain a university education. In contrast, boys from rural areas in Fiji generally do not believe they will stay in school past the primary level. The report attributes this to the need for boys to contribute to the family income. This pushes them out of school and into the workforce.

It also says girls have less free time than boys. Girls have specific household chores that limit their free time. Boys, in contrast, have fewer structured household tasks, and the tasks they do have require less time. Boys also have greater ability to leave the house than girls. The report says these differences play a role in defining gender roles. This can lead boys into engaging in bad behavior and increase their exposure to drugs and alcohol. The report says this pattern exists elsewhere in countries like Yemen, Sudan, Bhutan, India, the West Bank and Gaza Strip, Dominican Republic, Tanzania, Burkina Faso, Liberia, and Papua New Guinea. The report quotes a Fijian boy as saying, “Boys, they take their bikes and scoot off and roam around in villages here and there”.

Fijian girls are beginning to challenge these traditional cultural gender norms. While they acknowledge and admire the hard work their mothers have done in the domestic sphere, they seek better education and opportunities.

While the United Nations General Assembly adopted the Convention on the Elimination of All Forms of Discrimination against Women (CEDAW) in 1979, Fiji did not ratify it until August 1995. They were the 139th country to do so. At first, Fiji objected for cultural reasons to one part of CEDAW, and said Constitutional sections containing different rules for men and women on their ability to marry foreigners was incompatible with another part.

These objections were eventually dropped and constitutional changes were made between 1997 and 1999. CEDAW helped bring about family law reform in 1995. A civil uprising in 2000 stalled some iniatives, but the 2002 CEDAW review assisted in reviving efforts. In 2009, the minimum age allowed for both men and women to marry was raised to 18 years.

Since the introduction of CEDAW, reforms have been made that allowed for more equal partners, make divorces easier to get, make it harder for women to be excluded from the home, and improve the amount, and enforced the payment, of spousal support and following a divorce. The report notes that a 2010 review of CEDAW said there is still room for improvement in terms of inheritance rights for women.

Fiji has a population of 854,000, with an annual average percentage population growth of 0.6%. 31% of the population is aged 0 to 14. The average life expectancy for men is 67 years and for women is 71 years.

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Interim report blames ice for British Airways 777 crash in London

Saturday, September 6, 2008

The United Kingdom’s Air Accidents Investigation Branch (AAIB) has released an interim report into the crash of British Airways Flight 38. The Boeing 777-ER crashed early this year as it tried to land at London’s Heathrow Airport.

The report states that the AAIB believes the crash occurred when ice crystals formed within the fuel system. However, it should be noted that the report only serves as an update into the progress of the investigation and that the final report is yet to be published and may yet reach a different conclusion into the cause of the accident.

The flight from Beijing, China had been normal until final approach at Heathrow, at which point the aircraft was coming in for landing with the autopilot and autothrottle engaged. However, engine power became greatly reduced when the autothrottle requested more thrust, and the aircraft made a forced landing 1,000 feet from the runway. The aircraft suffered substantial damage as it slid across the grass to the runway threshold, where it came to rest, and was written off. There was only one serious injury and eight minor ones to the 136 passengers and 16 crew.

As the jet passed over Siberia it encountered significantly reduced temperatures. The AAIB has determined that the fuel was at a temperature below 0°C for an unusually long duration. This is believed to have caused water in the fuel – which met all relevant international standards – to have frozen into crystals. These were able to form undetected as the aircraft cruised with a low fuel requirement, and it was only when extra fuel was pumped in from the tanks for the landing that the crystals became a problem.

The report says that the current explanation being offered for the accident is an “apparently hitherto unknown phenomenon” and warns that other combinations of aircraft models and engines may also be vulnerable. The 777 involved was powered by Rolls-Royce Trent 800s, like 222 of the 736 777s currently operating. Data from 141,000 other flights of such aircraft has not yielded any other set of circumstances similar to the one in the crash flight.

In light of these results, a worldwide alert has been issued to the 11 airlines that between them operate all the aircraft identical to the lost jet. Boeing have instructed airlines to vary altitude regularly when fuel is below 10°C and to run the engines at max power for ten seconds before attempting a landing if the fuel has been at such temperatures for over three hours. The extra power is intended to clear out any buildup of water. To prevent buildup of water during ground operation at freezing temperatures all fuel pumps should be run at full power for one minute.

Air New Zealand have already confirmed they will introduce the new measures, and United States authorities are expected to make them mandatory within days. The affected aircraft are operated by US carriers American Airlines and Delta Air Lines.

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Bremer Freimarkt, oldest fair in Germany, reaches its climax

Monday, October 29, 2012

The Bremer Freimarkt (Free Fair) — historically one of the oldest fairs in Germany — has its greatest event with the Free Fair Procession “Freimarktsumzug”; this year’s Freimarktsumzug took place Saturday.

The procession started Saturday morning on the opposite side of the river Weser in the “Neustadt” and passed the city hall about one hour later. 146 colorfully decorated groups were taking part, some of them dancing to their own music, and were watched by about 200.000 people in the streets during more than four hours of the whole performance. The event could also be viewed on television and on livestream on the web.

The Free Fair opened on the place behind the main station of the city of Bremen a week ago. The origin of this popular event can be traced back to the year 1035. Nowadays it has been called the “biggest Fairground Festival in northern Germany”.

For a few years, an historical spectacle involving actors of the theatre group Shakespeare Company has been part of the opening performance of the fair. With a replica of an old cog an ambassador enters the banks of the river Weser close to the city and walks with his companions to the market place in front of the city hall of Bremen where the Kleiner Freimarkt (Small Free Fair) is opened. Members of the Chimney Sweep Guild hang up a big heart at the statue of Roland as a sign of the opened market. The traditional opening takes place in the Bavarian tent on the Bürgerweide behind the main station of Bremen with the tapping of the first keg by the incumbent Senator of the Interior of the Free Hansetown of Bremen. This is followed by the dance with Miss Free Market on the stage. Late at night, also fireworks are lighted over the place Bürgerweide and can be admired by people. The exclamation Ischa Freimaak (It’s Free Fair) is meant to spread a relaxed and unreserved atmosphere among the guests.

The fair is a major source of revenue for showmen, carousels and food stalls, some of which arrived nearly two weeks before the opening from all over Germany. This year the Freimarkt is to last until Sunday November 4. The subsequent disassembly, especially the technically complex rides, should then take about ten days.

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Chicago Car Dealers Insurance, Coverage Issues And Prices

By Ed Sneineh

Chicago Car Dealers Insurance, Issues And Prices

Do all used car dealers need insurance?

Definitely. All new and used car dealerships will need to have some sort of garage insurance policy that must be filed with the state by the insurance carrier. A cancellation of their insurance policy will end up in a suspension of their business license granted to them by the state. Used car dealers insurance in Chicago is the law.

What form of coverage do you need?

Necessary Coverages:

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Car dealers need a garage liability policy covering the business as well as the workers, sales persons of your business (who must also be listed on the policy) in the events your business conduct as a car dealer result in damages to the properties of others or harm to their body. Neither you, nor officers of your business, or employees are covered under any bodily injury or property damage coverage provided by the garage liability. The minimal level of garage liability insurance in Illinois is a split limit of $100,000/300,000/50,000, also expressed as [100/300/50]. These numbers stand for the max totals that your insurance company will spend on your behalf for bodily injury per person, bodily injury per accident, property damage per accident; correspondingly; in the event that you, your business officials or reported employees cause any at fault accident in relation with your dealership actions. Certain companies offer this minimum as a Combined Single Limit (CSL) of $350,000 bodily harm and property damage per accident, which is normally more expensive than the split limit. Used car dealers that operate larger operations should be worried about liability limits. The author suggests a million dollar as a combined single limit.

Price of garage liability relies on many issues including limits of garage liability insurance, geographical location, number of dealer plates (some companies verify it with the state); and number, ages, MVRs of each operator listed on the policy. A used car dealer insurance policy with minimum plates and most desirable conditions to the issuing company will be approximately $3,000 per year in the City of Chicago. It is less expensive in the suburban areas of Chicago. Nevertheless, extra discounts may apply such as experience with no loss. Also there might be more surcharges if there are younger drivers or if you have employees with not good driving records.

Sometimes the City of Chicago may also ask you to show a evidence of driveway insurance. Typically it is set at $1,000,000 by the City. Certain garage policies issued at lower liability limits in the City of Chicago may be endorsed, for a minimal additional charges, to satisfy the requirements of the City of Chicago. Nevertheless in other conditions, you might need to get a separate policy for that if your policy does not provide that protection.

Illinois Workers Compensation is a very important coverage, one that is also very well missed by car dealerships. You need workers compensation for your dealership in order to meet your legal and moral obligations towards your company and staff. Officers and owners of the organization have the option to include or exclude themselves from workers compensation coverage. In case they want to be excluded (perhaps they get wage and do not do any real work at the dealership) they have to sign some exclusion form. Keep in mind that no employees/contractor/ officer of the dealership is protected for bodily injury in connection with any at fault auto accident related to the measures of the dealers. Coverage for employees for these situations are delivered under a workers compensation policy.

Workers compensation premiums are based on how much salary you will pay in the next 12 months. It has nothing to do with the past. People covered include all the staff with W2s (must include by law), contractors with 1099 (can be excluded only if you can show that they have workers comp coverage on their own) and directors/ owners of the business except if specially excluded. For independent contractors (i.e. drivers who transport autos from car auctions to dealership) they have be added unless they show you that they have workers comp coverage somewhere else. It is tough to estimate fees of workers comp because it is based on future payroll. For that reason, your insurance company gives you an estimate in the beginning, then it will audit your wage towards the end of the policy term, after which date they will tell the final premium. For that reason, you might be charged extra, or simply get a returned premium, at the end of the policy period for the previous policy!

Bonds: A used car surety bond is normally required for new used car dealer ventures which are less than three years. The value of the bond is $20,000. The bond is some kind of guarantee by the bonding company that the used car dealer will adhere to the guidelines set by the State of Illinois. A major issue related to bond is its price. The price of the bond could vary from $200 to $2,000 depending on the credit of the Principal on the bond (owner / partners of the dealership). The vast majority companies will not issue bonds for people with severe credit troubles. Keep in mind that any government organization may ask for a bond. For example, Cook County Treasurer may require a Chicago used car dealer for a bond to guarantee payments of sales tax! This could be brought on by situations related to the experience of the tax authorities with particular places, old owners of business, or new owners/ officer.

Non Mandatory Coverages

There are some optional coverages that used car dealership may be interested in, based on their wants.

Dealer Open Lot refers to the collision and comprehensive coverages on dealer owned autos. There is normally a limit set on coverage per auto. So if a dealer acquire a dealer open lot coverage with $150,000 per site, that policy may limit coverage per vehicle of $25,000. Dealers must analyze their policies.

One of the source of trouble is related to the Coinsurance Penalty Clause. To reduce premiums, a used car dealer may get dealer open lot coverage of $100,000 on his/her lot which has $400,000 of used cars. The coinsurance penalty ratio is the ratio which is used to figure out if a particular dealer is properly insured or not. Coinsurance percentages range from 80% to 100%, and they are normally stipulated on the policy declaration page. In the previous scenario if the customer has 80% coinsurance, then the dealer must keep at least $320,000 to be rightly insured. If the dealer maintains lower than that amount, then the company will provide only partial payments on the claims made, because the client was paying partial payments in relation to what he/she was supposed to should have paid. The amount the company will pay is based on the rate of what the customer currently has [100,000] divided by the minimum that was supposed to be carried [320,000]. In other words, the insurance company will pay about 31.25% [100,000/320,000] of any potential claim, after the deductible!

Your business also needs Garage Keeper Liability, if you work on autos that you do not own, such as customers who bring their cars for minor repair work. Vehicles that you do not own require physical damage coverage (comprehensive and collision) with certain deductible ($500 to $1,000). Garage Keeper Liability insurance is not needed if the dealer does not perform any maintenance or repair work on vehicles they do not own. Garage keeper liability is not an expensive coverage and is based only on the amount of coverage you need. Normally the minimum amount is $25,000 per car. The difference between $25,000 and $50,000 in coverage is very minimal. You can tell how much you need by knowing the average value of all automobiles that exist on your lot which you do not own.

There are other elective coverages that used car dealers may need. These include coverage on Building, Business Property, Security, Business Income, Crime (Robbery etc.) and some forms of Professional Liability.

About the Author: Insurance Navy is a leader in providing

auto insurance Chicago

. Please check our website blog for details on how you can get

used car dealers insurance in Chicago

.

Source:

isnare.com

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CanadaVOTES: Liberal David Remington running in Lanark—Frontenac—Lennox & Addington

Friday, September 19, 2008

On October 14, 2008, Canadians will be heading to the polls for the federal election. Liberal candidate David Remington is standing for election in the riding of Lanark—Frontenac—Lennox and Addington.

Wikinews contacted David Remington, to talk about the issues facing Canadians, and what they and their party would do to address them. Wikinews is in the process of contacting every candidate, in every riding across the country, no matter their political stripe. All interviews are conducted over e-mail, and interviews are published unedited, allowing candidates to impart their full message to our readers, uninterrupted.

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Chinese stock markets plunge after tax increase

Wednesday, May 30, 2007

In trading Wednesday, the Chinese stock markets plunged after the government tripled a tax on securities transactions. The so-called stamp tax was raised from 0.1% to 0.3% in an effort to cool the rapidly rising market.

The Shanghai Composite Index of A-shares fell 6.5%. The CSI 300 fell 6.8%, with over half of the listed companies falling the single day limit of 10%.

The market has already doubled in value this year, after rising 130% in 2006. It is estimated that some 300,000 new brokerage accounts are opened on an average day. Novice investors are reportedly sinking their life savings into the market.

Meanwhile, the World Bank raised its forecast for GDP growth for China in 2007, from 9.6% to 10.4%.

“The stamp tax is the latest gesture by the Chinese government to warn investors,” Phil Chen of Grand Cathay Securities Investment Trust Co. told Bloomberg. “The trouble is, Chinese investors probably won’t care if a few breadcrumbs are dropped in the transaction as they have such extraordinary returns on their investments.”

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Author of My Billion Year Contract reflects on life in elite Scientology group

Thursday, January 14, 2010

Wikinews interviewed author Nancy Many about her book My Billion Year Contract, and asked her about life working in the elite Scientology group known as the “Sea Org“. Many joined Scientology in the early 1970s, and after leaving in 1996 she later testified against the organization. Published in October, Many’s book has gone on to become one of the top selling new books on Scientology at Amazon.com.

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The Cost Of Not Doing Home Maintenance: Cleaning Your Refrigerator

By Vincent Platania

I still remember the old monster of a Norge refrigerator that hummed away in my grandmother’s kitchen. It was easily 20 years old when I was born – and when we moved ten years later, it was still going strong. Long after friends’ parents had replaced their refrigerators – some of them even twice – Nana’s Norge was freezing foods solid and keeping milk fresh and unspoiled.

Nana’s secret wasn’t the brand of refrigerator she picked – it was in her cleaning routine. Part of Nana’s household cleaning schedule was a weekly refrigerator cleaning. The truth is that by adding a few simple steps to your regular household cleaning schedules, you can save money on your electric bill, prolong your refrigerator’s life and save yourself the expense of spoiled food and a repair bill when the fridge goes on the fritz.

Step 1: Clean the condenser coils and condenser fan twice a year.

The condenser coils are what keep the fridge cold. If they’re clogged with dust, they can’t work efficiently. The end result will be a refrigerator that doesn’t keep cold foods cold, and an overworked motor that will need service more often – as well as a few dollars more on your electric bill each month.

The coils are located either at the back of the refrigerator, or across the bottom of the front. If they’re in front, you’ll need to pop the grille off to get to them. If they’re in back, just pull the refrigerator away from the wall. You can use a vacuum to clean them, but one of the best investments you can make is a refrigerator coil brush, which is specifically designed to get into all the crevices and spaces to gently clean away the dirt and dust.

If the coils are located on the bottom front, there’s also a condenser fan (back coils don’t need one, since they’re exposed). You can access it from either the front or the back of the refrigerator, and clean it with the coil cleaning brush.

Step 2:

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Wipe down the door gasket.

That’s the rubber seal around the door of your fridge. It seals the refrigerator tightly and keeps cold air in and warm air out. Spilled sticky stuff can stick the gasket to the refrigerator frame, and when you open the door, it may tear. Replacing a torn gasket can run you as much as $200. Whenever you clean the kitchen, make it a practice to open the fridge door and wipe the gasket down with warm water and a sponge.

Step 3: Keep vents and drip channels clear and clean.

Frost free freezers have small air vents to allow air to circulate and keep things cold. If those become clogged or blocked by food packages, air can’t circulate and keep things frozen. Keep the freezer no more than about 3/4ths full, and make sure that food isn’t blocking the vents.

In refrigerator section, there are drip channels that drain off water that’s evaporated in the defrost cycle of your refrigerator. The channels lead to holes that drain into the drip pan. If the holes get clogged, water will collect and cause mold, odor and spoilage.

Step 4:

Clean the refrigerator thoroughly once a month.

-Remove all food and store in a cooler.

-Pull out drawers and racks and put in the tub with soapy water to soak.

-Wipe down walls and floor of refrigerator and freezer with water and baking soda. If you have

tough stain or spilled food, toothpaste or a degreaser can help.

-Wipe inside dry with soft cloths or paper towels.

-Clean door gasket.

-Clean the outside of your refrigerator and protect it with a spray appliance cleaner and wax

-Replace shelves, racks and drawers.

-Turn refrigerator on and let cool before replacing food.

About the Author: Author Vincent Platania represents the Fuller Brush Company. Fuller Brush has been in business since 1906, and offers safe, environmentally friendly products for keeping your home and your body clean. Visit fuller-brush-products.com

Source: isnare.com

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Category:Jewellery

This is the category for jewellery.

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