Why are soap operas so riveting? Is it because the characters are larger than life and always, always live in a really big, fancy house, regardless of their profession or income? Or, maybe it’s due to the fact that despite everything being over the top—from the plot to hairdos—there is a kernel of truth in these stories … something that resonates with us. That’s why I think “All My Paychecks” will resonate with you. Indulge in a few minutes of guilty pleasure and watch (all three episodes!). Then let us know what you think.
Business Insurance Analyse
Be sure. Feel safe. Insure your business now!
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A new type of business insurance: E-Commerce Insurance...
Internet liability insurance is a necessity for all companies which has a website. A small company establishes a presence on the Web to find new clients and confirm relationships with existing...
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Do you really need a home business liability insurance...
The home business liability insurance is generally not the first point at the list of a novice who starts a new business. With so many other worries about office rent, new equipment, advertising...
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Business insurance will cover all possible accidents...
Most business owners are accustomed to taking certain types of risks. However, not being insured property is a risk that you can not afford to take. When you need to get business insurance, you want...
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Without small business insurance your company can be at risk...
May be you don’t realize it but your small business is at risk. Every company has costly information and property that are possibly not protected right now. Your company probably has private...
Posted by Mikayla Stevenson | May 12, 2012
House Insurance: How to Reduce the Costs of Home Cover
How to Save Money on UK Home Insurance There are specific ways you can lower premium costs for home insurance. Security, crime prevention groups, higher excesses and smart shopping can all help.
If youre looking for new home buildings and contents cover, it may be tempting to simply shop around, find the lowest quote and buy that. This may save you some money. But, if you really want to access discounts and reduce your overall house insurance costs, you may need to think smarter. How can you cut your premiums?
Good Home Security Equals Lower Insurance Costs
Increasing your home security makes you less of a risk, and many insurers will discount premiums in return. Taking a long hard look at your home and how attractive or unattractive it may look to a burglar can also help.
Some Insurers Discount for Local Neighbourhood Watch Membership
You may also be given a discount on home cover if you are a member of a Neighbourhood Watch scheme. This will involve working with a group of your neighbours, the police and your local council on improving crime prevention and community security. Again, this reduces claim risk for insurers, hence the discount.
Increasing Your Excess Can Lower Premiums
Most insurance policies give a set amount that you commit to covering before the company pays out on a claim.
Posted by Gabriella Hopkins | May 09, 2012
Chemically altered proteins may be key to understanding memories
Having a fat head may not be a bad thing, according to new findings at The Johns Hopkins University. As reported in the February 9 issue of Neuron, researchers have made a significant discovery as to how adding fat molecules to proteins can influence the brain circuitry controlling cognitive function, including learning and memory.
“When you learn something, you strengthen and inhibit certain transmissions and sculpt a particular circuit. Recall [or memory] is using that circuit again,” says Richard L. Huganir, Ph.D., professor and director of the Solomon H. Snyder Department of Neuroscience at Johns Hopkins. His team’s latest finding describes for the first time how one protein chemically alters another in this circuit strengthening process and represents another step toward understanding a key part of how memories are made and maintained within the brain, something researchers believe could provide a pathway toward treating disorders like Alzheimer’s and Schizophrenia.
In studying the molecular underpinnings of learning and memory, Huganir and his team have focused on one of several processes in which a molecule is tagged by another molecule of fat. Tagging sends the molecules to a particular destination within a cell.
Specifically, the team has studied DHHC5, which is known to add a fat molecule to other proteins. Until now, it was not known which proteins receive this tag.
The scientists suspected a target molecule would need to bind DHHC5, which would then transfer fat onto it.
Posted by Victoria Milson | May 06, 2012
How Much Term Life Insurance is Enough?
Unless you’re fortunate enough to have enough assets that your family doesn’t need the income that would be lost if you suddenly died, you probably need term life insurance.
But how much do you need?
This is a critical question, but coming up with the answer is not all that complicated. Answering the following questions will allow you to determine how much coverage you need to buy.
How much do you earn? The primary purpose of term life insurance is to enable your family to continue on with their accustomed standard of living should you pass away. To do that, they’ll need to replace your lost income. Your goal should be to apply for enough coverage to cover your earning power.
How much debt do you have?
Ideally, the death benefit will allow your family to eliminate any debt left behind. Consider credit card debt, as well as loans, and your mortgage when selecting a coverage amount.
What are your long-term needs?
In addition to the money your family needs to live on, you might also have future goals that need to be provided for. If yo
Posted by Mikayla Stevenson | May 03, 2012
Ask the holiday home insurance expert roundup – part 2
Got an insurance question relating to holiday homes or letting? Here are common questions asked by fellow holiday home owners. Feel free to contact us if you have a question for one of our insurance experts at Schofields.
Q. We are renting a Gite in France in the first two weeks of August and the property owner has asked us if our insurance policy covers accidental, fire or water damage to their property. Is there a policy available that would cover a two week holiday period while we are renting a French property?
A. This is a question that is frequently raised by those renting villas and gites in France. Ideally, the property owners’ insurance should protect their home against such risks when renting, as is the case with UK sourced insurance. However, in France this is often not the case and the holidaymakers are asked to provide proof of civil liability insurance.
This is a common problem when French owners rent to non-French residents. This post explains further.
A travel or main residence insurance policy usually includes an element of liability cover which may be suitable. Alternatively, try searching on Google for ‘adar insurance’ who offer a policy which some holiday rental agencies in France use.
Q. I have a second property which has been insured with Schofields for the past 3 years. I do
Posted by Gabriella Hopkins | April 17, 2012
Chicago Orders 500 Next-Gen Ford Police Interceptors
When Ford Motor Company announced that the Ford Crown Victoria had reached the end of the line and would no longer be produced, police departments around the nation may have thought theyd be forced to look to General Motors or Chrysler for their next-generation of police cars.
Yet after killing the Crown Vic, which was a staple of law enforcement nationwide, Ford offered two new replacements in the guise of Taurus and Explorer models tuned to the needs of police departments, and put them into production at the start of 2012.
And Ford has just scored its biggest sale thus far of their new interceptors, with an order for 500 placed by the city of Chicago, which also happens to be where Ford Assembly builds the companys police cars.
Unlike the older Crown Vics, which were basic sedans, police departments can now select from either a sedan or a sport utility vehicle, which share not only a common chassis, but engine choices as well. And the old, gas-guzzling V8s from the days of the Crown Vic are long gone, replaced with efficient V6 engines.
Ford says the base 3.5-liter V6 engine delivers 263 horsepower and is 25 percent more efficient than the outgoing 4.6-liter single-overhead-cam V8 it is replacing. A
Posted by Gabriella Hopkins | April 10, 2012
FDA responds to bisphenol A petition from NRDC
The U.S. Food and Drug Administration is expected to respond by March 31 to a petition from the Natural Resources Defense Council to ban the chemical bisphenol A from food-contact materials. Shatter-resistant polycarbonate plastic and durable epoxy resins, both made from BPA, are approved by the FDA and commonly used in reusable containers and food packaging.
“We have and will continue to rely on the experts at FDA to evaluate the safety of BPA, and respond on the basis of all the available scientific data, including information referenced by NRDC.BPA is one of the most thoroughly tested chemicals used today and has a safety track record in food contact of over 40 years,” said Steven G. Hentges, Ph.D., of the Polycarbonate/BPA Global Group of ACC. “The consensus of government agencies across the world, based on the science, is that BPA is safe for use in food-contact materials.”
In a recent study funded by the U.S. Environmental Protection Agency, researchers from three federal laboratories including FDA reconfirmed that it is very unlikely that BPA could cause human health effects due to the efficiency and speed by which the human body metabolizes and eliminates BPA. In December 2011, the European Food Safety Authority updated their scientific review and reaffirmed that BPA is safe for use in food-contact materials. Similarly, in September of 2011, a World Health Organization 30-person expert panel supported the continued use of BPA in products that come in contact with food.
Posted by Victoria Milson | April 09, 2012
Gambling With Your Future
Disclaimer: Before reading, you should know that I’m definitely not a “Yeah, Vegas, baby!” kinda person.
I think one-armed bandits are aptly named. The last time (and the only time) I was in Vegas, someone actually gave me money to put into a slot machine, and I wouldn’t do it. I put it in my pocket. My philosophy is that hard-earned cash—mine or someone else’s—has no place in the belly of a machine (or on a blackjack table) where the odds are definitely not in my favor. I just can’t do it.
That said, I actually do get it—the whole Vegas thing, or friends hanging around a poker table having a good time. The adrenaline rush of winning; the excitement of the game. To each his own, right? But, there is one area of your life where you should never, ever gamble, as our poker-playing fruit fly Frank discovers in the video.
Jokes aside. Feel free to keep what happens in Vegas in Vegas. But what happens at home is a different matter. Make sure your family’s future is protected. Don’t gamble with that. Get life insurance.
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