ADT for your home security systems

Security should be one of the most important thing that you need to consider first when you look for a house. Ok, you may consider the location, the design, the neighborhood, the access but home security systems is also an important thing that you need to concern about.

People often or sometimes more concern about other thing such as The price, the area, the location, the prestige, but they forget that they must consider about the home security systems too!

Ya, home security systems is the one that can protect your property and also the life of the people you love. ! this is what you need more ! this is the important one among those. Imagine even you have nice house, luxurious equipment but if you do not have security, what would it be ? In some country where the security is not really a problem, they even think more about this home security systems . But unfortunately in the area or the country where there are more criminality happened, people do not even pay too much attention about this home security systems.. Well perhaps after they read about http://allhomesecurity.com then they will realize how important it is. Hopefully they would change their mind and become more concern about this home security systems that this site offered. All are only for your own good, nobody else. If you care about people you love, if you care about yourself, you better have this home security systems now.

We Are Marshall a True Story

Marshall University Plane Crash We Are Marshall a True Story We are Marshall is currently being hot in the internet. This is an American 2006 drama film based on the true story. It was air tragedy on the November 14, 1970 in which members of the Marshal University football team (team, coaches, staff, members, crew members) died on a plane crash.

According tthe details story, the twin-engine, 95-seat Southern Airways DC flight 932 departed at 6:38 p.m. for Kinston carrying 75 Marshall University football players, coaches and fans. The plane was suddenly crashed during its flight killing all the passengers. This chartered and twin-engine flight was also accompanied with a crew of five including pilot, a first officer, two stewardesses and a charter coordinator when it was crashed.

The tragedy and the rebuilding efforts were dramatized in the 2006 Warner Brothers feature, We Are Marshall which opened in Huntington a week before its national release date. Many scenes in the movie were filmed on the campus and throughout Huntington.

Characters of the movie includes, Matthew McConaughey as Coach Jack Lengyel, Matthew Fox as Red Dawson, Anthony Mackie as Nate Ruffin, Kate Mara as Annie, January Jones as Carol Dawso, Ian McShane as Paul Griffin, and David Strathairn as Donald Dedmon.

Commercial Mortgage

As with the majority of the mortgage and housing market in general, the commercial mortgage sector has suffered as a result of the overall economic downturn. Throughout the UK the past year or so has seen existing successful companies through to viable start up companies struggling to raise sufficient finance because of the dwindling numbers of commercial mortgage products that were available on the market. This has inevitably left a good proportion of small to medium sized firms, entrepreneurs and investors with little scope to pursue or develop a wide range of business activities without having to pay a premium to do so.

However, as the British summer weaves its way along in a multitude of seasonal swings, the commercial mortgage market has also begun to heat up as there appears to be some funding lines opening up as lenders appear to be returning to the market. This will have the knock on effect of increasing competition which will provide the stimulus needed for more products to become available for those looking businesses looking for a commercial mortgage to purchase their premises or for commercial property investors looking to finance either a purchase or remortgage.

To illustrate this rise in positivity, buy-to-let and commercial mortgage specialists Mortgages for Business has recently reported to have seen a 41% increase in new mortgage cases since January 2009, which it attributes to an upturn in the number of property investors returning to the market.

With the residential housing market also showing tentative signs of growth it appears that commercial mortgage transactions are showing the healthiest signs of improvement with the number of new cases more than doubling over the first six months of the year.

Commenting on the current commercial mortgage market conditions, David Whittaker, managing director of Mortgages for Business, says: “There are the first glimpses of a shift in the commercial sector, with enquiries and cases on the increase. This is significant as the commercial property sector has suffered horrendously over the past two years, but, we appear to have turned a corner. With the number of mortgage cases gaining momentum it is clear that banks are open for business and willing to lend, as long as the numbers stack up.”

Further momentum will continue in the form of increased funding becoming available to lenders which, hopefully, will in turn become available to borrowers through increasingly competitive commercial mortgage products. There is no doubt that there are some businesses that will continue to struggle but as with any market downturn, winners will emerge and it will be those firms that have greater control over their financial situation that will come through relatively unscathed. The commercial mortgage market is showing signs of some recovery but there is still some way to go. There are promising signs that a degree of positivity has returned to the market, so with this in mind the commercial mortgage market is certainly one to watch for in the later part of 2009 and early 2010.

Gina Carano Playboy Magazine picture and Photo

In the past, MMA's most popular female fighter Gina Carano has had a little trouble weighing in. For her EliteXC Saturday Night Fights show on October 4, she promised it would be different.

Although she once again struggled on the scale, it definitely was different. In order to make weight, Carano got naked. In her third try, she finally came in at 141 pounds, which is the maximum allowed weight for her upcoming fight with Kelly Kobold without Carano having to forfeit part of her purse.

MMA Junkie reports that she weighed in at 142.725 pounds on her first attempt. Take 2, after taking it all off? 142.5 pounds. On her third try, she somehow lost the additional 1.5 pounds, and came in at 141. No one is able to say exactly how she lost the final pound and a half, but she was finally able to make weight, and she will not have to forfeit a portion of her purse, as she did in her fight against Kaitlin Young.



Want to know a little bit about Gina? Check out this interview from earlier this year. Ironically, she says that she would never pose nude for Playboy. Obviously, weigh-ins are far more important to Gina than Playboy.

PGA : Golf Championship

Pga Championship Tv Schedule

THE 2009 PGA CHAMPIONSHIP gets underway on Thursday at Hazeltine National Golf Club in Chaska, Minnesota.

The 2009 PGA Championship TV schedule Is follow :

Thursday
11 a.m.-2 p.m.: “Live from the PGA Championship,” Golf Chanel
2-8 p.m.: First-round coverage, TNT
8-10 p.m.: “Live from the PGA Championship,” Golf Channel
12:35-1:05 a.m.: First-round highlights, CBS-6

Friday
11 a.m.-2 p.m.: “Live from the PGA Championship,” Golf Channel
2-8 p.m.: Second-round coverage, TNT
8-10 p.m.: “Live from the PGA Championship,” Golf Channel
12:35-1:05 a.m.: Second-round highlights, CBS-6

Saturday
9-11 a.m.: “Live from the PGA Championship,” Golf Channel
11 a.m.-2 p.m.: Third-round coverage, TNT
2-7 p.m.: Third-round coverage, CBS-6
7-9 p.m.: “Live from the PGA Championship,” Golf Channel

Sunday
9-11 a.m.: “Live from the PGA Championship,” Golf Channel
11 a.m.-2 p.m.: Third-round coverage, TNT
2-7 p.m.: Final-round coverage, CBS-6
7-9 p.m.: “Live from the PGA Championship,” Golf Channel

Watch the 2009 PGA Championship Live Online on :

http://www.pga.com/pgachampionship/2009/multimedia/video/live_coverage.cfm

Citizens insurance

BATON ROUGE -- The board that operates the state-run insurer of last resort will seek a 9.2 percent statewide rate increase at its meeting Thursday, but some policyholders may see a decrease in their premiums if those rates are approved, the chief executive officer of the company said today.

John Wortman, who oversees the day-to-day operations of the Louisiana Citizens Property Insurance Corp., said the average policyholder, who now pays about $1,800 a year, will see premiums go to about $1,966 annually if the proposed rates are approved.

Wortman said the increase is expected to generate about $20 million a year in additional revenue for the company, bringing it to about $245 million a year.

By law, Citizens' premiums must be at least 10 percent more than premiums of private insurance companies that write at least 2 percent of the business in a parish. Wortman said the 10 percent mark-up is include in the proposed 9.2 percent rate hike because the new rates are based on existing premiums that have already been marked up.

Citizens insures about 125,000 policies in the state, about 45 percent of that in Orleans and Jefferson parishes -- roughly 56,000 policies.

Wortman said based on preliminary numbers, about two-thirds of Citizens customers may see rate decreases in the two parishes and one-third may see rate increases. Statewide, he said, about 70 percent of the policyholders may see an increase and 30 percent a decrease.

Wortman said Thursday's meeting will break out the increases and decreases by parish. Insurance Commissioner Jim Donelon, whose office must approve or reject the rates of Citizens and other insurance companies, said last-minute surveys and calculations were still being run on the parish rates.

Preliminary data show that the variance in the premiums charged may be 40 percent -- from a decrease of 10 percent in some areas to a 30 percent increase in others, based on location and type of policies written, Wortman said.

Donleon said the new rates "could go either way (higher or lower) but only incrementally" when the board receives the data Thursday.

The board approved a rate increase of 14 percent last year but Donelon's office reduced that to a 7 percent rate hike. The Citizens board last month proposed a 10.1 percent rate increase but postponed action on the request for a month.

In the meantime, Donelon said, a more refined request of 9.2 percent is pending. State law exempts from the mandated 10 percent markup through Aug. 15, 2011, 12 parishes hit hardest by Hurricanes Katrina and Rita in 2005: Calcasieu, Cameron, Vermilion, Iberia, St. Mary, St. Tammany, Orleans, Jefferson, St. Bernard, Plaquemines, Terrebonne and Lafourche.

"I'd like to get the rate (increase) filed (with Donelon) in August and approved in September,'' Wortman said. "We'd like to get it moving.''

The board can approve it, reject it or defer action. After it clears the board, Donelon's office must approve it, reject it or send it back to the board for more work.

Once approved, Wortman said, the new rates would go into effect Dec. 1 for new policies and Feb. 1 for policies that are being renewed.

The board Thursday also is scheduled to take up the imposition of a 5 percent assessment on all property insurance policies in the state to help pay off $1 billion in bonds Citizens issued in the wake of the 2005 hurricanes to keep the company solvent.

The issue came up at the July board meeting but State Treasurer John Kennedy's representative on the board, Jim Napper, questioned the need for 5 percent assessment when all that was needed to help service the bonds this year is a 4.3 percent assessment.

The 5 percent assessment would generate about $100 million and the 4.3 percent would bring in about $86 million to service the bonds this year.

Napper wanted a legal opinion on whether state law allows the board to impose an assessment higher than what is needed for the bonds, essentially generating a surplus of $14 million.

Napper said the $14 million would amount to "an excess surplus'' that state law may not allow.

Ed Anderson can be reached at eanderson@timespicayune.com or 225.342.5810.

New Car Ferrari 599 GTB Fiorano

The 599 GTB Fiorano (internal code F139) is an Italian gran turismo produced by Ferrari. It is the brand's two-seat flagship, replacing the 575 M Maranello in 2006 as a 2007 model.

Styled by Pininfarina under the direction of Ferrari's Frank Stephenson, the 599 GTB debuted at the Geneva Motor Show in February 2006. It is named for its total engine displacement (5999 cc), Gran Turismo Berlinetta nature, and the Fiorano Circuit test track used by Ferrari.
Drive train

The Tipo F133F 6.0 L (5999 cc) V12 engine produces a maximum 620 PS (456 kW; 612 hp), making it the most powerful series production Ferrari road car. Its 608 N·m (448 ft·lbf) of torque will also be a high for Ferrari's GT cars. Most of the modifications to the engine were done to allow it to fit in the Fiorano's engine bay (the original Enzo version could be taller as it would not block forward vision due to its mid-mounted position). The company claims a top speed in excess of 330 km/h (205 mph), 0–100 km/h (62 mph) in 3.7 seconds,[1] and 11.0 seconds to 200 km/h (124 mph).
A traditional 6-speed manual transmission as well as Ferrari's 6-speed sequential manual gearbox called "F1 SuperFast" is offered. Reviewers of the car have mentioned that the MagneRide suspension gives the 599 a very comfortable ride but allows it to handle well at the same time.[citation needed]

The Fiorano also sees the debut of Ferrari's new traction control system, F1-Trac.

Mortgage Laws and the Case for Moving Insurance Across State Lines

The most common argument against allowing health insurance to move across state lines is that each state has their own state laws governing health insurance and thus it is not practical to do this. Different states have different levels of regulations and allowing health insurance to cross state lines would turn into chaos and take power away from the states the critics say. The critics say that insurance companies will simply set up shop in those states with the loosest regulations.

Today, I asked Sandy Praeger to share her perspective on the issue. Praeger is insurance commissioner for Kansas and president of the National Association of Insurance Commissioners.

Praeger told me she was against lifting restrictions on the sale of insurance across state lines.If the change was implemented, here’s what she predicts will happen: Insurers will set up shop in states with few regulations and market low-cost policies to people across the country. These policies will offer minimal coverage and appeal primarily to younger consumers.

“It will be a race to the bottom,” Praeger said, and there will be “very few consumer protections. … You’ll have plans that don’t cover the benefits that people need. … And healthy people are going to buy those less costly plans, because they don’t think they need [the protection].”

Now, I have dealt with something similar in mortgages for years. In fact, in mortgages, there are numerous state laws and federal laws. For instance, in Illinois, there is something called the Illinois high cost law. This law does two things. First, it sets a maximum rate that any borrower can be charged on any loan. Second, it sets the maximum fees that can be charged on any loan, 5.5%. My only experience with Illinois high cost was when a protege of mine tried to do a difficult loan that was deemed illegal at the end of the process. This was a loan on an investment property with a borrower with a marginal credit score and they were putting little down to purchase the property. As such, the rate on the loan approached 11%. Everything seemed fine until we got the loan ready to close and the bank realized it couldn't be done because the rate was illegal. In fact, there was no way to make the loan legal.

Illinois high cost also comes up often for FHA loans. That's because there is a 1.5% fee that FHA charges up front for Mortgage Insurance Premiums. As such, before anyone charges a single dime, there is already 1.5% of the 5.5% used. Of course, different banks have different interpretations of whether or not that 1.5% should be counted in the overall 5.5%. So, often there are disputes between bank and broker about whether or not a loan has exceeded the Illinois High Cost law.

That's just in the state of Illinois. The state of Minnesota has created all sorts of state laws to prohibit "predatory lending". The state of North Carolina also has very strict "predatory lending" laws. If a bank wants to do business in any state, they must follow the laws of that state along with federal laws as well rules set out by Fannie/Freddie and FHA. Sometimes, laws become so burdensome that banks actually stop doing business in a state. For instance, HB 4050, in my county of Cook, became so burdensome in 2006 that dozens of banks simply stopped doing business in that County.

Why do I point this out? It's because mortgages is among the most heavily regulated industries in the country. Anyone who has ever closed on a loan knows full well just how regulated it is since they sign hundreds of pages worth of closing documents in response to regulation. We have something called a regulation z. That's because there are so many regulations that they span the alphabet. Each individual state sets out their own regulations along with federal regulations. Yet, banks are able to sell loans across state lines even despite this hyper regulation.

In other words, the mortgage industry allows for mortgages to "cross state lines" despite the plethora of competing regulations. In fact, banks, much like insurance companies, set up shop in one state and then sell mortgages across state lines. They are able to figure out how to navigate all of the state laws, federal laws, and other regulations, and still be able to produce their product in all fifty states at one time. The regulations and complexity of mortgages is no less than is the regulations and complexity of health insurance. Yet, banks are able to figure out how to sell mortgages across state lines, and no one is claiming that you can only get a mortgage from a bank in your home state. In the same way, we could figure out how to sell health insurance across state lines.

Standard Insurance partners Willis Group

As part of its strategies to effectively work with the Federal Government to entrench the local content policy in the Oil & Gas sector, Standard Insurance Consultants is partnering with Willis Group, a global player in insurance business.

Standard Insurance Consultants Limited (SIC) hosted an event at their headquarters in Lagos for visiting Willis Group directors. Bob Peilow, Managing Director, Willis Global Specialties & Middle East and Lesley Harding, Executive Director, Willis Energy were visiting Nigeria for three days on one of the Group’s regular sojourns to the country to meet with clients and markets.

Willis Group Holdings Limited is a leading global insurance broker with more than 400 offices in nearly 120 countries, with a global team of approximately 20,000 Associates serving clients in some 190 countries. Willis’ Global Energy Practice comprises over 130 energy insurance professionals, working in 10 offices to deliver world-class risk management solutions for the technical and operational risks inherent in the energy industry.

Over 80 guests attended the high-profile SIC cocktail evening, including representatives from major clients in the Oil & Gas, Aviation and Marine sectors; senior executives from leading insurers and a number of government dignitaries.

Welcoming Mr. Peilow and Ms. Harding to the event, Mallam Ahmed O. Salawudeen, President/Chief Executive of SIC Limited said, “Willis’ visit re-affirms their commitment to supporting the burgeoning Nigerian insurance marketplace. This is important in light of the Federal Government’s policy on developing the local insurance industry especially with regards to risk management for the Oil & Gas sector.”

Mr. Peilow said of their visit, “Effective, world-class risk management is essential to the success of Nigeria ’s growing economy. Willis is committed to contributing to the development of the active and vibrant Nigerian insurance market, which will facilitate the growth of industry in the country.”

His views were corroborated by Ms. Harding, saying, “The rapidly developing Nigerian Oil & Gas sector brings both opportunities and challenges. As projects expand, risks get bigger and it is important that there is a strong insurance industry to find innovative solutions to these risks so that companies have the space to grow.”

Maroma Resort & Spa Hotel

Maroma Resort & Spa Hotel

To get to the hotel we used Grayline Transfer, it was a collective shuttle included with our Orbitz package, Maroma Resort & Spa is a luxury boutique hotel in Solidaridad, Riviera Maya, Mexico. Maroma Resort & Spa offers luxury accommodations and 5 star service in Solidaridad.


Reserve Maroma Resort & Spa at TabletHotels, The principal variances from the second quarter of 2008 included the results from Hotel Cipriani, Venice (down $2.8 million), Reid's Palace, Madeira (down $1.3 million), Grand Hotel Europe, St Petersburg (down $7.2 million), Only in August you may try Maroma Margarita, the signature drink of Maroma Resort & Spa in Mexico, Hotel Maroma Resort in Mexico is typically carribean, but has something very special comparing to other hotels in the area. Swimming pool,