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What Is The Right Insurance Plan For My Family?

Choosing The Right Life Insurance PlanInterested in buying permanent life insurance, but afraid you may not buy the right policy that would fit your personal situation? Buying insurance is like renting a product to help you financially in case something unexpected happens. Most permanent life insurance includes universal, variable, and whole life insurance. These policies hold a value that fits most individuals’ needs. Here are some tips to help you find the policy that will fit your lifestyle and family needs.Evaluate your families lifestyle and needs when determining the amount of life insurance you purchase. Everyone has individual life needs that will need to be addressed in the event of a family death. You must make sure that the amount of coverage is enough to care for your loved ones should this occur.Pay your premiums promptly. If the holder fails to pay the monthly premium on their insurance term, or if they decide to stop making payments before the whole life plan gains any value, they will lose the policy. They will also be forced to get a new policy and the new policy could be more expensive. This can especially be true if they have aged or fallen into poor health since their policy payments stopped.Compare your group life insurance against other policies. Group life policies, usually provided by your employer, may not always be the least expensive option. The rates are set based on averages — average age, average health and other important risk factors that may not apply to you. If you have excellent health, shop around to see if you can get better rates elsewhere.Term life insurance is a more affordable option for life insurance. It only covers you for a set period of years; it is usually sold for 10, 20, or 30 year periods. A term life insurance policy is usually much less expensive than a whole life insurance policy per month.Buy the right amount of life insurance to cover all of your living expenses and specified needs. Skimping on life insurance is not a good idea. Term insurance, especially, is very affordable, so make sure you get as much insurance as you need. As a rule of thumb, consider buying insurance that equals approximately 6 to 10 times your income.If you are considering purchasing whole life insurance, keep in mind that this insurance is more expensive, but it will cover your entire life span. If you live to be 100 years of age, you will still have coverage to benefit your family left behind after your death. A term life policy is effective only for a determined amount of time and will expire eventually. Keep in mind, a term life policy is usually less expensive and more affordable than a whole-life insurance policy, and you have the option to renew once the policy runs out.A convertibility feature is a helpful tool. It will allow you to convert your policy to a permanent one if you need one. You just have to make sure you do this before your term expires. This will let you keep your policy, and ease some stress in your life.Keep an eye out for an independent insurance agency that will really care about your needs and watch out for you. There are some life insurance companies that will offer competitive rates for some medical conditions (diabetes, heart disease and cancer). These companies are much more family friendly and don’t just put everyone in a group. Their charge is based off of what you really need.When considering a life insurance policy, be sure to do a great deal of shopping around. Some insurance providers can be more competitive price-wise due to the mass amounts of people they insure. There is also a good deal of difference on the ability of an insurer to guarantee they will be around fifty years later to pay out when it is needed.When considering life insurance, be sure to look outside of what your employer provides. While this may be easier and you may assume they are providing what is best for you, it is not always the case. It is a good solid idea to buy a life insurance policy outside of what is provided by your employer as you can’t take life insurance that is employer provided should you lose your job, find another job, etc. Make sure that they rates and coverage are competitive or better than other offers that you could go with.Did you know? If a relative of yours recently died and named you as the beneficiary on his life insurance policy, but the policy itself is missing, there are steps you can take to locate the policy, even if you don’t know which insurance company issued it. Examine the deceased’s canceled checks for any that were written to insurance companies. Look through any mail you can find for insurance bills or policy status notices. Check with former employers or organizations that the deceased belonged to which may have offered the policy. Look at tax returns for expenses or interest earned in regard to life insurance. Finally, check with the Medical Information Bureau, which has a database that can inform you if the medical records of the deceased were requested by any insurance companies since 1996.Having to think about the possibilities of something unfortunate happening to you is uncomfortable and can be very stressful. However, it is an important financial decision that should be made in order to protect your family and their future. Investing the effort and time to learn all of your options and choosing your policy will in the long run make everyone feel a lot safer and will provide you with peace of mind (the decrease in stress carries the added benefit of increasing your life expectancy).

Category:Cannabis

This is the category for cannabis, a drug with recreational and medicinal uses.

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Pennsylvania man named in alleged terror plot

Tuesday, February 14, 2006

Michael Curtis Reynolds, 47, from Wilkes-Barre, Pennsylvania, is accused of trying to work with al-Qaeda, according to the FBI.

The Phildelphia Inquirer has reportedly obtained court transcripts from Reynold’s Rule Five hearing, before a federal magistrate judge in Pocatello, Idaho that revealed a “convoluted plot” that also includes cyberspace intrigue, an FBI sting, and then an exchange of money in Idaho. Reynolds was represented by Federal Defender, Nick Veith, at the hearing.

According to the transcripts, FBI agents say that Reynolds was plotting to blow up the Alaska pipeline, another pipeline in Pennsylvania and a refinery in New Jersey, with a person who he thought was an al-Qaeda operative. It is also reported that he had planned an attack against Standard Oil Co. in Perth Amboy, New Jersey and Williams Refinery in Opal, Wyoming. However, the Standard Oil refinery, now Chevron, does not exist anymore. The refinery had closed more than a decade ago. All that remains in its place is an empty field. Armada Hess is the only active refinery in Perth Amboy.

So far, Reynolds has not been charged with terrorism.

However, a prosecutor in Reynolds’ December hearing said that, “he tried to provide material aid to al Qaeda.” The prosecutor also said the case “involves a federal offense of terrorism.”

A municipal judge from Conrad, Montana, Shannen Rossmiller, 36, led the FBI to Reynolds by posing as an al-Qaeda operative. Reports say that Rossmiller was looking through terrorist websites when she came across a post by Reynolds who was seeking $40,000 that he would use to buy fuel trucks that would blow up refineries in New Jersey, Wyoming and part of the Alaska Pipeline. After six-weeks of e-mailing each other, Rossmiller agreed to pay the money, and set up a meeting with Reynolds in Pocatello, Idaho. It is reported that after the plans were made, Rossmiller then contacted the FBI who then set up a sting operation, two months ago, against Reynolds. “I feel compelled to do what I can and I know that I have an ability to do something. I’m out for the hunt,” said Rossmiller.

Rossmiller started to look through terror websites just after the September 11 terrorist attacks in NYC. She has read the Koran, studied the radical Islamist lifestyle, and learned just enough Arabic to lurk around in terrorist related chat rooms and “ensnare” the extremists. She also said that he has “assumed several the identities of more than two dozen male personae on the Internet,” and was also part of “a large number” of cases involving the hunting of terrorists. Court records also show that Rossmiller had posed on the Internet as an Algerian terrorist to “befriend” Ryan Anderson, a Muslim convert and a member of the National Guard from the state of Washington, who wanted to hand over information to al-Qaeda on how to destroy Army tanks and humvees.

Assistant U.S. Attorney John C. Gurganus Jr. said, according to transcripts, “he (Reynolds) was doing it as a plan to disrupt governmental function, to change the government’s actions in foreign countries, and to impact on the national debate about the (Iraq) war.”

Reynolds denies trying to work with al-Qaeda and stated that he was “a patriot seeking to expose an al-Qaeda cell inside the United States.” Philip Gelso, Reynolds’s attorney, has not commented on the case.

Authorities searched Reynolds’ home and took his computer as evidence, and some documents allegedly spelling out his terror plots. According to Gurganus, in e-mails on his computer, Reynolds “described what explosives should be used (in the attacks) and where they should be placed.” Gurganus also told the judge that Reynolds, “knew the plots could get him the death penalty as a traitor and that he would have to leave the country immediately once they were carried out.”

According to the British The Inquirer, Microsoft was issued a subpoena last month to allow the Department of Justice access to Reynolds’ hotmail account.

Reynolds has been in Lackawanna County jail, held without bail, since December 5, 2005, when he was arrested about 25 miles from the Thunderbird Motel in Pocatello, Idaho for an unrelated weapons charge. He was charged with possession of an unregistered explosive device when authorities found a grenade in a duffel bag that was inside a home in Pocatello that Reynolds was staying at before he came to Idaho. The grenade charge carries a minimum sentence of three to seven years, to be served in a federal prison. On December 20, a jury indicted and charged Reynolds with two counts of unlawfully possessing hand grenades.

Reynolds pleaded guilty to attempted arson in 1978, a misdemeanor and menacing. He was sentenced to a conditional discharge. He has also been previously convicted of disorderly conduct, resisting arrest and breach of the peace.

The Times-Tribune received a letter on the 13th that used Reynolds’ return address at the Lackawanna County Prison and bears a rubber stamp as used to mark outgoing mail from the jail that detailed Reynold’s denial of ties to al-Qaeda. The letter is postmarked with a date of February 10th, before the Philadelphia Inquirer story was published.

Titled “Patriot Games,” the letter’s content addresses the charge regarding the grenade found at his residence in a comment stating that it was planted there “by someone known to myself and to the FBI.” In denial of work for and also in denial of any desire to work for al-Qaeda, Reynolds wrote that “I know what losses terrorists inflict on people. I would never work to assist them or harbor any,” referring to his claim of a colleague being killed in the September 11 attacks on the Twin Towers.

In the letter Reynolds explains the investigation that he claims to have been working on to track “a person that I had believed to be a terrorist” and to expose them “once I had solid proof of who or where they operated from.”

Reynolds claims that his family founded Bedford Hills, New York in 1676. He further claims that he personally has given military service in the US Army, written a Military police handbook, trained SWAT and drug enforcement teams. He further claims to have been an engineer with military clearance and to have taught in Thailand as a first grade teacher and also an English teacher to Buddhist monks.

As an explanation for his prosecution, Reynolds has written that he believes it to have been due to his military service and that he believes the case would be dismissed provided a hearing in front of a judge.

When questioned as to the authenticity of the letter, prison warden Janine M. Donate said that the letter appeared to be from the prison.

Retrieved from “https://en.wikinews.org/w/index.php?title=Pennsylvania_man_named_in_alleged_terror_plot&oldid=3853403”

Category:Sports

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The Pros And Cons Of Cosmetic Plastic Surgery}

Submitted by: Beth Ortiz

You’ve always been secure with the way you look, except for one thing: Your nose. Indeed, your nose has been the subject of frequent ridicule by your peers for as long as you can remember. Of course, now that you’re an adult the comments don’t really happen unless someone is drunk, but you’re still wondering if, perhaps, a change can’t be made.

Specifically, you’re thinking about getting cosmetic plastic surgery on your nose. You’ve decided that your ideal nose would be half the size of your current one, and slimmer too no more of that bulbous stuff. Yes, each time you look in the mirror, the idea of getting cosmetic plastic surgery seems more and more enticing.

Of course, you’re not one to just go right ahead and choose anyone for the cosmetic plastic surgery procedure. You pour over surgeon directories, ask lots of questions, and finally find one that is both reputable and offers reasonable costs. The benefits that you will be getting from the surgery are obvious. After all, look at what a little cosmetic plastic surgery did for Ashlee Simpson’s nose!

[youtube]http://www.youtube.com/watch?v=ehKGlT2EW1Q[/youtube]

You just can’t wait to be able to walk into a room, any room (you’re not picky) and have people admire your nose. You can’t wait to see the looks on people’s faces when you reveal your new look! As excited as you are, there are some aspects that you’re not too excited about at all.

First of all, you’re going to have to recuperate for a couple of weeks. You can’t imagine walking around with that large bandage over your nose (note to self: remember to practice breathing through your mouth) so unless you start wearing a suspiciously large face mask, then it’s going to be just you and your cat in your apartment for a while.

Then, images of Morgan Fairchild and Michael Jackson flash through your head. Morgan Fairchild ended up with a new nose, but that new nose was entirely too small for her face, and she looks silly. Then, Michael Jackson’s nose is dissolving an only held together with some sort of putty. You’d rather have a big nose than no nose at all!

You need to comfort yourself by thinking about the fact that Morgan Fairchild had her plastic surgery done a hundred years ago, when techniques were still being developed. As for Michael Jackson, well, he’s obviously had more than a couple surgeries on that nose of his.

Nevertheless, you still need to see your chosen surgeon’s portfolio. You hurriedly log onto his website, and see the many noses he has transformed. Oh, look at that woman’s nose! It was completely crooked before, and had a big wart on it to boot! You really like her new nose, it looks very natural. Then, of course, there’s the guy who had one of those severely upturned noses. You think his new nose looks quite distinguished. You realize that any cosmetic procedure has its pros and cons, but as long as you have a professional surgeon who knows noses, then you’re all set.

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plastic surgeon of California in your area is just a click away.

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Wikinews interviews Frank Moore, independent candidate for US President

Saturday, March 1, 2008

While nearly all coverage of the 2008 Presidential election has focused on the Democratic and Republican candidates, the race for the White House also includes independents and third party candidates. These parties represent a variety of views that may not be acknowledged by the major party platforms.

Wikinews has impartially reached out to these candidates, throughout the campaign. We now interview independent Presidential candidate Frank Moore, a performance artist.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_Frank_Moore,_independent_candidate_for_US_President&oldid=2185149”

Interview with Bill Bousfield, Regional Council candidate for Wards 1 & 5 in Brampton, Canada

Monday, October 30, 2006

The upcoming 2006 Brampton municipal election, to be held November 13, features an array of candidates looking to represent their wards in city council or the council of the Peel Region.

Wikinews contributor Nick Moreau contacted many of the candidates, including Bill Bousfield, asking them to answer common questions sent in an email. This ward’s incumbent is Elaine Moore; also challenging Moore is Janet Hamilton and Tejinder Lamba.

Retrieved from “https://en.wikinews.org/w/index.php?title=Interview_with_Bill_Bousfield,_Regional_Council_candidate_for_Wards_1_%26_5_in_Brampton,_Canada&oldid=438255”

New York governor Spitzer tied to prostitution ring

Monday, March 10, 2008

According to a report by The New York Times (The Times), New York Governor Eliot Spitzer informed his senior administration officials on Monday that he was being investigated for using a “high-class” prostitution ring. The Times report cites anonymous officials who work for Spitzer. A law enforcement official who spoke to Associated Press on condition of anonymity stated that a federal wiretap related to a recent investigation revealed that Spitzer paid for prostitutes from an online service under investigation.

ABC News reported that, according to federal officials, the federal investigation into the prostitution ring was initially motivated by money transfers which led agents to believe Governor Spitzer was hiding bribes. Sources familiar with the case spoke to The Washington Post and CNN, and said that Spitzer is identified as “Client 9” in court documents and on a federal wiretap.

In a brief press conference held Monday afternoon, Spitzer apologized to his family and to the public, but did not directly admit or deny involvement in the prostitution ring. “I apologize first and most importantly to my family. I apologize to the public, to whom I promised better. I must now dedicate some time to rededicate my trust to my family,” he said, adding that he “acted in a way that violates his obligation to his family.”

Spitzer did not answer questions from reporters, indicating he would have more to say “in short order.” He did not admit or deny any allegations.

The Times’ report alleges that Gov. Spitzer was a client of the Emperors Club VIP, a high-priced international prostitution ring. Last week, federal investigators arrested four people involved with the operation in and around New York. The investigation utilized undercover work and wiretap recordings at various club locations, including New York and Washington, with the latter allegedly containing Spitzer’s voice.

Reports indicate the governor learned on Friday, March 7, of federal investigators’ discovery of his alleged involvement in the prostitution ring. He informed his top aides on Sunday night before meeting with the rest of his staff Monday, according to The Times. Sources for the Fox News Channel and WCBS-TV in New York report Spitzer could resign and be indicted, in which case the Lieutenant Governor of New York, David Paterson, would become governor.

James Tedisco, the New York State Assembly Republican Minority Leader, says Spitzer should resign and state Republican leadership will initiate impeachment proceedings if the governor fails to step down. “Today’s news that Eliot Spitzer was likely involved with a prostitution ring and his refusal to deny it leads to one inescapable conclusion: he has disgraced his office and the entire state of New York. He should resign his office immediately,” stated Tedisco.

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Like The House? Get The Offer To Purchase Real Estate Form

By Gloria S.

After going around the city, inspecting home after home after home, you finally come across a house that not only meet your stringent domestic requirements, but also resembles the house of your dreams. You’re on seventh heaven as it is, then you find out that it’s also within your budget!

When you’ve fallen in love with a specific property and would want to make it your own, you don’t just tell the owner that you’re taking it the way you’d tell a salesperson that you’re buying a pair of shoes. Though you can do that, it just seems somewhat impolite. If you’re really dead serious about purchasing a piece of property, inform the property owners (or their real estate agent) immediately. Then, formalize your intention by making an offer to purchase and present this to them for their evaluation.

The ‘Offer to Purchase Real Estate’ is one of the most important documents in any real estate transaction. This document will contain all the pertinent details concerning the sale. Normally, in addition to the address and technical specifications of the property, and the names of the purchaser and the owner, an offer to purchase would include information such as the price you are willing to pay for the property, the deposit you are prepared to give, how the balance will be paid, schedule of payment, and inspections that you would want to conduct. You are free to include other data which would be of interest to the owners.

[youtube]http://www.youtube.com/watch?v=9LtdGZz1_8I[/youtube]

Since the contents of an Offer to Purchase Real Estate are very sensitive, you should really discuss the details with your banker, your lawyer and your family. You have to ensure that all the information that you will plug in is correct and that you can abide by the conditions you yourself will set. The Offer to Purchase, if accepted by the owner, will be the basis of further negotiations and the foundation of the actual purchase. It’s a serious document that deserves serious consideration.

You have the option of having professionals (real estate agents or lawyers) prepare the Offer to Purchase Real Estate document for you, but this may take time, and several meetings. If you want to cut the process short, you can make a draft copy of the Offer to Purchase and when you’re reasonably satisfied with the contents, that’s when you schedule a meeting with these individuals. If you’re keen to do this, you can simply download a generic Offer to Purchase Real Estate form from the internet and use this as a footprint.

Downloadable real estate forms, though these follow a standard format, can still be modified to suit your requirements. Despite being easily obtainable through the internet, these are still considered legal documents, and they will be honoured and recognized by local, state and federal offices. What’s good about real estate forms found on the internet is that these real estate websites give you, the user, the option to download just the form you need, or the whole bulk. You can also download the forms on Word, PDF or text format.

So what are you waiting for? Get on the internet and download the Offer to Purchase Real Estate Form. The quicker you complete all the requirements, the sooner you can move into the home of your dreams.

About the Author: legalhomeforms.com/offer-to-purchase-real-estate-form.htm

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Sweden to open embassy in Second Life

Wednesday, January 31, 2007

Sweden has plans to open a virtual embassy in Second Life, the virtual world home to thousands of netizens. Companies like Dell are already selling computers via the virtual world, but Sweden would become the first country to have a cyber-embassy in Second Life.

The embassy would not provide visa or perform diplomatic tasks, but would provide information on how and where to get these documents in the real world, as well as giving cultural and tourist information about the country. Visitors will also be able to chat with embassy personnel. A spokesperson explained that it would be an easy and cheap way to reach young people. The idea came from The Swedish Institute, an agency of the Foreign Affairs Ministry of Sweden with providing information about Sweden as a key purpose.

The “House of Sweden” as it will be called, will be modelled on the new Swedish embassy in Washington with the same name. The opening is expected in a few weeks.

Second life has over 3 million registered accounts. On an average day, the maximum of people logged in at the same time peaks at 25,000. In September 2006, Second Life was reported to have a gross domestic product of $64 million. Some schools in the United States and Canada have virtual classrooms on the site. People like Ailin Graef a.k.a. Anshe Chung have developed virtual businesses in Second Life, and earn thousands of real dollars there.

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