Friday, February 15, 2013

We Finally Got an Umbrella Insurance Policy - Bargaineering

Umbrella InsuranceBack in 2006, in the first few years of running Bargaineering, I asked you all whether I needed an umbrella insurance policy. Practically everyone said yes. I even went as far as asking GEICO for a quote on a $1 million dollar umbrella insurance policy, which would?ve cost me $124 a year ? or about on par with renter?s insurance.

It?s so cheap, probably because it?s not used very often. You have so many other insurances ?in the way? that you don?t get to the umbrella policy unless things get pretty bad. Then again, that?s why you get insurance. It?s to protect you from the ?pretty bad? stuff right?

So last week, after consulting with a financial adviser and going over the things that I might want to look into, I asked my State Farm agent for a quote. The price for $1 million of coverage was $142 a year. Add an additional million and it?s just another $71. It?s more than what GEICO quoted me six years ago but we also get $65 off our auto insurance for a net increase, on two million, of $148. I don?t know if GEICO included a multi-line discount in their original quote so this might not be an apples to apples comparison.

I?m not one to be easily swayed by the fear argument (since it took me six years to get a policy that took five minutes to implement) but one thing did resonate with me from the last post ? monkeyjoe saying ?All it takes is one bad accident on a slippery day for your wages to be garnished for the rest of your life.?

Given the cost and the protection it affords, it?s a lot like renter?s insurance. You could live happily without it, as many renter?s do, but all it takes is one unlucky scenario and you?ll wish you had it. I?ll just chalk it up to good luck that I didn?t need it the last six years? and will smile on my good fortune if I don?t need it for another fifty. :)

Do you have umbrella insurance? If you do, what pushed you to get it? If not, why not

(Photo: Loca Luna / Anna Gay)

{ 12 comments, please add your thoughts now! }

Related Posts

Source: http://www.bargaineering.com/articles/finally-umbrella-insurance-policy.html

james farentino somali pirates navy seals navy seal team 6 tim gunn tim gunn built to last

Wednesday, February 13, 2013

internship community management / support (germany) | carga de ...

Goodgame Studios is the fastest-growing games company in Europe, and one of Germany?s most successful technology companies. With more than 350 staff, at our Hamburg offices we develop innovative online games played by over 105 million players in almost 200 countries and more than 20 languages worldwide.
Our success is built on our talented and motivated team of experienced e-Business experts and dedicated newcomers. With our quantitative approach fueled by driving ambition, we strive to continually improve our products.
We want to set new global standards in technology, product quality, sales and marketing.
We also want to maintain our strong growth ? so we?re looking for entrepreneurial personalities who really want to make things happen.
Become part of our success story ? apply now!

As Practical Trainee (m/f) in Community Management you will provide customers and fans with regular information and answer their questions, start events inside the community and maintain contact with our external hosts.
This practical training is ideal for the semester break, as a practical semester or for the period before or after your full-time studies.

Your Job:
? Responding and processing of support tickets via the ticket management system
? Community Management in our Portugese-speaking forums
? Responding to questions and solving problems by e-mail
? Portuguese translations for forums and social networks
? Testing our games based on the functionality of their translations
? No home office possible

Your Profile:
? Knowledge of Portuguese at native speaker level, spoken and written
? A passion for (online) games and a high level of Internet affinity
? Excellent communication skills and an open, friendly character
? Teamwork, independence and reliability
? A valid work and residence permit is required prior to commencement of employment

We offer:
? An exciting, demanding job with fresh challenges to face every day
? Top development possibilities, further education including reference books, further training in-house and language courses
? A dynamic, success-hungry team with friendly, highly qualified colleagues
? An outstanding working atmosphere, flat hierarchies and short decision paths
? Flexible working hours and childcare places available ? right on the company premises
? Subsidization of bus/train tickets or parking
? Regular team events and many benefits, such as a swimming pool, sports facilities, fresh fruit, many different types of muesli and free drinks Hamburg is one of the most beautiful cities in the world and provides a fantastic range of leisure activities as well as a great nightlife.
A maritime atmosphere and its Hanseatic cosmopolitan flair enable an especially high quality of life ? and safety.

We will make relocating simple, help you find a flat, offer you a German course, and make it easy for you to get to know your new home town.

Empresa: Goodgame Studios
Local: Hamburg, Germany
Tipo: Full-time;

Registo | Login: Para responder a esta oferta ter? primeiro de se registar ou fazer login.



Ofertas semelhantes:
customer support (est?gio profissional)
customer support (est?gio profissional)
community manager (online game)
junior graphic artist / iefp internship
javascript, ajax, php programmer (germany)

Source: http://www.cargadetrabalhos.net/2013/02/13/internship-community-management-support-germany/

beach boys tony bennett joe walsh the civil wars duggar miscarriage roman holiday belize

Tri-State Real Estate Market Under Tightest Squeeze in Years | NBC ...

NBC 4 New York

The tri-state area has the smallest number of apartments available for sale or for rent in years, putting would-be home buyers in a difficult position of deciding whether to continue renting or to buy from a selection of homes much smaller than they'd like. Andrew Siff explains why.

Tri-State Real Estate Playbook: When to Buy...

Copy

Close

Link to this video

Copy

Close

Embed this video

Replay

The tri-state area has the smallest number of apartments available for sale or for rent in years, putting would-be home buyers in a difficult position of deciding whether to continue renting or to buy from a home selection much smaller than they'd like.

"Whether it's Manhattan, the Hamptons, Miami, Los Angeles, we're seeing the inventory fall sharply," said real estate expert Jonathan Miller.

People may want a bigger home, "but you don't have things to buy," said Miller. "You don't have the selection."

The scarce supply is what keeps Shannon Mulvihill searching rigorously for new listings for three-bedrooms for sale for her family.?

"I think there are so few available it makes sense to look when they come to the market," she said. "You know there's a risk if you don't put an offer in, that somebody else could get it."

Experts say the inventory problem extends to red-hot neighborhoods like Hell's Kitchen. It's being attributed to a slowdown in new construction projects in the still sluggish economy.

Stephen Kliegerman of Halstead Property said the next trend could be eager consumers buying from blueprints before they've even seen the finished apartment, although Kliegerman admits it could be "a little scary for some buyers because they don't know what the quality of the product's going to be."?

Still, some experts say renters could be in a surprisingly strong position, especially if they stay put for just another year because there's expected to be a construction boom in 12 to 18 months that should add inventory and give renters more flexibility to negotiate.

Mulvihill and her husband don't want to keep renting while interest rates are so low.

"It's always appealing to think you can actually own with more space versus renting right now," said Mulvihill.?

So she'll keep looking and perhaps take a risk -- what some experts call the sign of a healthier real estate market.?

Get the latest headlines sent to your inbox!

Source: http://www.nbcnewyork.com/news/local/Buy-Versus-Rent-Home-Apartment-NYC-NJ-Tri-state-Low-Inventory-New-Construction-190787141.html

olivier martinez ny lottery Ohio Lottery Colorado Lottery Pa Lottery Ebates lotto

'Storage Wars' buyer Mark Balelo found dead

A&E

By Randee Dawn, TODAY contributor

Mark Balelo, who appeared on A&E's "Storage Wars" as a frequent locker buyer, was found dead Monday at his California workplace, the Ventura County Star has reported.

No cause of death was cited by the Ventura County Medical Examiner's Office, though they indicated that an autopsy would be done Tuesday.?

Balelo was arrested on Saturday on suspicion of possessing a controlled substance and was scheduled to appear in Ventura County Superior Court on Feb. 19.?

The 40-year-old was the owner of Balelo, Inc., a liquidation merchandise business. He came to the media's attention in April 2011 when he returned a rare copy of a 1938 Action Comics comic book he found in a storage locker, more than 10 years after it was stolen from its owner -- actor Nicolas Cage.?

Balelo first appeared on "Storage Wars" in August 2011. On his Facebook page, he recently indicated he was "currently working on a new reality show of (his) own."

Related content:

More in The Clicker:

Source: http://theclicker.today.com/_news/2013/02/12/16935975-storage-wars-buyer-mark-balelo-found-dead-at-workplace?lite

jessie j David Boudia David Rakoff Bourne Legacy Chad Johnson London 2012 Soccer dwight howard

Tuesday, February 12, 2013

The GOP's Wall Street budget gimmick

Sorry, Readability was unable to parse this page for content.

Source: http://feeds.washingtonpost.com/c/34656/f/636581/s/28748a2d/l/0L0Swashingtonpost0N0Cblogs0Cezra0Eklein0Cpost0Cthe0Egops0Ewall0Estreet0Ebudget0Egimmick0C20A130C0A20C110C7da97c820E74720E11e20E98890E60Abfcbb0A21490Iblog0Bhtml0Dwprss0Frss0Iezra0Eklein/st

columbus day columbus day Stacy Dash Amber Tamblyn Lilit Avagyan Nashville TV Show VP debate

Russians may end up with a web vetted by The League for Internet Safety

Russia's vast and freewheeling Internet, known as Ru.net, is facing stepped up official and semi-official efforts to rein it in.

But experts point to a couple of recent clashes in cyberspace to argue that it's not going to be easy to shut down one of the world's most diverse and raucous free-speech zones.

Many Russian bloggers say they're reluctantly willing to live with the Russian government's often ham-handed attempts to "blacklist" sites deemed to be socially dangerous, such as child pornography, under a law passed by the State Duma last year.

But they're in an uproar over suggestions that Russian Internet users should be transferred to a "whitelist" of approved websites proposed by The League for Internet Safety, a new organization that's sponsored by the Russian Orthodox Church, whose directors include an adviser to President Vladimir Putin, and which counts several of Russia's leading telecommunications firms among its members.

"I certainly support the idea of a safer Internet, but this plan being advanced by the League of a 'whitelist,' which would create a Ru.net composed only of websites that have been vetted and approved, is really hard to like," says Alexei Lukatsky, an Internet expert and consultant to CISCO in Russia.

"For one thing, it's really hard to realize such a scheme in practice. For another, isn't it against the Constitution? Citizens have a right to information, and it's hard to see how one organization could be allowed to set itself up as judge, jury, and executioner on the web," he says.

RECOMMENDED: Do you know anything about Russia? A quiz.

Early this month the League announced it would soon launch an experiment in the central Russian region of Kostroma, which it said has been approved by the governor and 29 local Internet service providers, to provide a sanitized Internet service to everyone.

Get our FREE 2013 Global Security Forecast now

The group said it has 20,000 volunteers currently sifting through Ru.net's estimated 4 million websites, and that it had already certified 400,000 of them as completely safe. According to press reports of the original proposal, any Kostroma Internet user who wanted to surf beyond the confines of the whitelist would be required to apply in writing.

OUTRAGE ACROSS THE BLOGOSPHERE

But after the blogosphere erupted in outrage, League organizers backtracked and said they were still working on the project but now are planning to introduce it as a system of "parental guidance" that would be optional for everyone.

"Our view is that the Internet has to be made safe, and this will be possible only if all the Internet communities join together, work out the mechanisms and unite our actions," says Valery Ponomaryov, assistant to the League's director, Denis Davydov.

The League has set off alarm bells because, although it's registered as a nongovernmental organization, it is clearly no ordinary civil society group. It was founded by a wing of the Russian Orthodox Church, and its board of directors includes former Communications Minister and current Kremlin adviser Igor Shchyogolev. All three of Russia's mobile phone providers are members, and its largest minority shareholder is the giant state-owned telecom firm Rostelecom.

Mr. Ponomaryov says that an average Internet user would "hardly notice any difference at all" if the filtering system they are proposing were enacted.

"But [since the experiment in Kostroma was announced] the mass media has failed to understand our idea... Lots of emotions have been stirred up in the blogosphere, but hardly any rational information at all. However, we're happy that a discussion has been started," he says.

A BATTLE GROUND

Russia's Internet has become a battleground since the Internet law came into effect last November. About 230 websites have been blocked, including 90 so far this year, most of them for truly offensive content that even a civil libertarian might have trouble defending.

But on several occasions officials have taken down an entire platform over one objectionable item, forcing website organizers to go to court, and spend weeks of effort, to get reinstated.

That happened again this week, when Roskomnadzor shut down an entire portal, lj.rossia.org, which plays host to hundreds of popular blogs, ostensibly because of two pages of objectionable content.

The site's administrator, Mikhail Verbitsky, a math professor at Moscow's Higher School of Economics, says it was originally set up to provide a free-speech alternative to Russia's biggest social media platform, LiveJournal. The site, he says, began imposing many politically-restrictive rules on bloggers, in earnest after the new Internet law was passed.

"Essentially, we wanted to create a space where what Americans would call First Amendment rights would be completely respected," says Mr. Verbitsky.

"Ours is a text-only platform, without pictures, so we didn't think child pornography would be a problem. But our entire site has been closed down now over just these two pages, which do in fact contain unpleasant ? not illegal, but very unpleasant ? material involving children?. So, I will remove these two pages, and write to the government with an appeal that our site be restored. We are going to have to accept that when the government tells us to block something, we will probably have to block it," he adds.

LITTLE TO FEAR

Some experts say that Russian bloggers probably have little to fear from Roskomnadzor and the League for Internet Safety, if only because it's almost impossible to effectively censor the Internet without killing it.

"So far, filtering is all about fighting the result," says Andrei Kolesnikov, a leading Russian Internet expert.

"But the Internet is vast, has almost unlimited means to replicate material, and any number of ways to go around obstacles. Everything is basically three clicks away.? With certain types of content, such as child porn and criminal material, the only reliable way to shut them down is to find the source, physically, and deal with it," he says.

"And if you want to block content for political reasons ? if this is, indeed, what Russian authorities want to do ? you pretty much have to create your own Internet and switch off the uplink to the rest of the world. And then you're North Korea."

RECOMMENDED: Do you know anything about Russia? A quiz.

Related stories

Read this story at csmonitor.com

Become a part of the Monitor community

Source: http://news.yahoo.com/russians-may-end-vetted-league-internet-safety-175113055.html

eminem yankees Tagg Romney Bosses Day Cabin Fever 2 Alexis Wright Zumba binder full of women

'Star Trek' And 'Star Wars' At ToyFair Make Us Jealous Of Children

FROM MTV GEEK It's that time of the year again, when we desperately wish we were still in that target age for all of the sweet, sweet toys of Toy Fair. MTV Geek has been all up in Toy Fair from the word "go," and over the weekend, they found a whole bunch of cool, [...]

Source: http://moviesblog.mtv.com/2013/02/11/star-trek-star-wars-toyfair/

4th of July Andy Griffith joe johnson scientology Wimbledon 2012 TV Schedule fourth of july Jason Terry