Some New Guidelines On Primary Details Of Car Insurance

And isnt this a violation of your privacy and right to face your accuser? If you have those concerns, youre not alone. This week the Los Angeles Police Commission voted unanimously to kill the citys red light camera program. It is, to date, the largest U.S. city to join a backlash against the red light camera programs. Along with individual municipalities, nine states have banned the cameras, including Arkansas, Maine, Mississippi, Montana, New Jersey, New Hampshire, West Virginia and Wisconsin, according the National Conference of State Legislatures. Why the uproar over something that its proponents claim is highly effective atreducing speeding and saving lives and preventing serious injury? Opposition to traffic photo enforcement ranges from invasion of privacy and violation of constitutional rights to due process to ineffectiveness and cost-inefficiency. Some even think the programs are nothing more than a money-grabbing scheme instituted by cash-strapped state and local governments. They also point out that since payment of the tickets in many instances is voluntary, the worst offenders simply ignore the fineswhile the law abiding pick up the tab.

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Cash Flow and Liquidity The Company generated $54 million of adjusted free cash flow and reduced adjusted net debt by $63 million to $705 million since December 31, 2015. The Company ended the quarter with $346 million of liquidity including $236 million available under its revolving credit facility after taking into account outstanding letters of credit. Outlook Over the last seven months, the Company renegotiated cellulose specialties contracts with its three largest customers through 2018 and 2019. For 2016, the Company expects cellulose specialties prices to decline 6 to 7 percent and cellulose specialties sales volumes to decline 4 to 5 percent compared to 2015. Based on contractual commitments for the majority of the Companys acetate volume, 2017 acetate pricing is expected to be approximately 2 percent below 2016. Cellulose specialties markets continue to face a combination of industry oversupply and weaker end-market demand which could impact the Companys prices and volumes in the future. In response to these market pressures, the Company began a three-year transformation initiative to significantly improve its cost structure and enhance cash flows. The transformation initiative is targeting cost savings of $75 to $90 million over the three year period from 2016 through 2018. In addition, through its innovation initiative, the Company is working to enhance the value of its products for customers and engineer new products to extend its market reach. It expects to derive 20 percent of our revenues from new products within a decade. As a result of solid traction on its 2016 transformation cost savings and benign inflationary pressure, the Company is raising its 2016 guidance for pro forma EBITDA by $10 million to $185 to $200 million and adjusted free cash flow guidance to $85 to $95 million. “We remain steadfast in our strategy to permanently reduce our costs, invest in our assets and accelerate our innovation platform to drive value to shareholders. Our progress to date is encouraging and we are pleased to improve our full-year guidance,” stated Boynton. Conference Call Information A conference call will be held on Tuesday, May 3, 2016 at 10 a.m.

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Easy Home Improvement Tips For You Here

You do not have to make home improvements hard. Knowing what can make your projects go much more smoothly can be beneficial. This article will give all the advice you need.

Use bleach in your toilet bowl to keep it clean. The bleach may stink for a bit, but germs will be killed and you will know that everything is as clean as can be. If you use scented bleach, it will reduce the objectionable odor.

You can drastically increase your home’s value by putting in another bathroom. Second bathrooms can be extremely advantageous, especially if the new bathroom is on a different floor. Inevitably, two people will need to use the restroom at the same time, after all.

Kitchen storage is simple when you have two-liter bottles around. They are transparent, and a good way to store things like flour, baking soda and sugar. They keep well in the fridge, freezer and on a shelf. Just open and pour when you need to use the contents.

Thinking about installing a beautiful hardwood floor? Have a professional check out the existing floors in your home first. You may find a lovely, natural hardwood floor buried beneath layers of linoleum or carpet. If this is the case, you’ll just need to strip the old carpet or flooring and refinish the natural floor underneath.

Always know where the gas shutoff valve is when you start any gas-based DIY project. You should also be extremely vigilant when working near the gas supply. If you don’t heed our warning, a fire or injury will likely be the result.

If you are employing a handyman to do some work, get everything in writing. A written contract keeps both sides honest and protects you, the homeowner, from exploitation. Without that contract, you may lose lots of money.

If you want to resell your home, you should focus on the bathroom. While most rooms can be customized by the owner, the bathroom must be in tip top shape. If your shower and sink aren’t in good condition, you should replace them. Swap out your floors for tile if they’re linoleum.

Having the right lighting in a room can make a huge difference. A bright room feels warm and inviting. An additional lighting installation can brighten the room, but won’t always improve the appearance. Consider your decorations and choose accordingly. The feel of the home will be better with brighter rooms.

As was mentioned, if you aren’t sure what to do, home improvement can be really taxing. By learning from the advice located above, you can complete many home improvement projects.

Knowing what type of coverage to buy is an important step. Drivers can use the blog section found at to decide which plans works best for them. Compare online auto insurance quotes A quote can help someone decide which policy works best for him or her. Comparing quotes is now simple and efficient. Car owners can do it online, on a single web page. All the rates will be selected from top brokers and will be accurate. By comparing online car insurance quotes, a car owner will save more than 25% on coverage premiums. It is always important to review as many policies as possible before making a decision and now, drivers have the means to do so. “Comparing car insurance quotes is the best way to shop for vehicle coverage. You will be able to get cheap plans in just a few minutes by simply visiting our website.” said Russell Rabichev, Marketing Director of Internet Marketing Company. is an online provider of life, home, health, and auto insurance quotes.

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Deciding On Critical Factors In Business Insurance

Ohio Theres Still No State-wide Limit On Mobile Phone Use While Driving In Ohio, But A Number Of Bills Are Currently In Committee.

Typical umbrella coverage starts at $1 million, but you can buy up to $10 million in coverage. Usually, umbrella insurance is purchased as an add-on to an existing policy. Insurers may require that you have a minimum amount of coverage on your home or auto (or both) before theyll sell you an umbrella policy. Before you buy umbrella insurance, make sure you need it. Analyze your exposure to risk. What is the likelihood of someone being injured on your property? Theyre higher than normal if you own a dog or have swimming pool, for example. Do you own valuable assets like a home, savings account, stocks or other items that would be at risk if you were sued and your insurance didnt cover all the loss or damage? If you answered yes to either question, youre a good candidate for umbrella insurance. You should expect to pay a higher premium (for example an additional $150 per year for $1 million gap policy), but you can lessen the impact with a higher deductibles on your basic home or auto policy. You can also take advantage of money-saving discounts such as using the same insurer for all your policies. You should also compare various policies to see if switching to another company for your basic policies and umbrella coverage makes sense. Be sure you get the coverage you need.

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Committee recommends keeping Crimsons as Jacksonville High’s nickname – News – The State Journal-Register – Springfield, IL

24, 2016 at 9:30 PM JACKSONVILLE The Crimsons nickname is sticking in Jacksonville. After months of gathering community feedback, an advisory committee recommended last week to keep the Crimsons name and not create a mascot. However, the group proposed developing a standard for the many variations of the J seen on uniforms and clothing. The story kept coming back to were the Crimsons and we do not need to be anything else, said Craig Albers, a former board president who chaired the committee. But the one thing we did uncover is that we lacked a visual identity. Albers said the group has recommended using a boldfaced capital J as the visual that would appear on uniforms and clothing. Currently, its possible to see nearly 15 variations of JHS or J on shirts in the crowd at a basketball game, he said. The group presented the boldfaced capital J design to the school board last week. The board could choose to tweak the design or adopt it at an upcoming meeting, Albers said. The idea would then be for athletic teams to phase in the design when they purchase new uniforms. Hopefully, booster clubs will also adopt the same design so there is consistency across grade levels and sports, Albers said. We came to the conclusion that we do not need a mascot as much as a visual identifier that associates Jacksonville when people see an image, Albers said. The advisory committee was formed several months ago to see if residents were interested in updating the Jacksonville School Districts nickname. Albers said the group was never interested in dropping Crimsons altogether, but rather possibly tweaking it to something such as Crimson Knights or Crimson Cavaliers. Its current nickname, the Crimsons, is simply a color and doesnt have an easily identifiable image, such as a silhouette of the state capital or a man holding an ax, Albers said. It also hadnt always been the schools name. Back in the 1920s, the school’s nickname was the Crimson Jackals. It was changed to the Crimson Js before becoming the Crimsons sometime in the 1950s.

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Be Your Own Contractor With These Home Improvement Tips

Make sure that you consistently redecorate your house and add renovations to keep your home in top notch condition. There are many projects that you can complete on your own, eliminating the need to hire someone else. Follow this article’s tips.

When planning a major home renovation project, hire a professional architect or designer to create your plans. If you lack formal training in this area, the plans you create may be heavy on esthetics and light on functionality. A professional has the experience and knowledge to ensure that any changes made will contribute to the greater appearance and efficiency of your home.

Looking for a way to add counter space? Why not install a microwave that can be installed over the oven range? Microwave ovens vary in cost and also in what they do. This type of microwave does not have a vent. Instead, it circulates air. If you’re a cook who tends to set things on fire, this is not a good idea.

If your wall has holes in it from pictures, spackle them. Pick up some spackle first. The spackle can fill the hole if it’s small enough. You can even use a pin to apply spackle to a tiny hole. Once it dries try smoothing the hole with a card so that it is flush. Paint the walls. This method will make holes vanish in single night!

Don’t dispose of bedroom doors simply due to a dirty appearance. Remove your door from the frame, and sand it down until the bare wood is exposed. Purchase paint that is oil based, and use it to coat the door. Change out your doorknobs to something fancier.

Using the right tools will make a huge difference while you work on your home improvement task. Using proper tools makes it easy to do the job right the first time without unnecessary effort. Knowing how to properly use the tools is important too.

Check someone’s references if you’re thinking about hiring them for your remodeling gig. Make sure you treat this as you are the employer and they are the employee of your business. Check their background and ensure that their service is good.

Updating your home with the features you want does not have to be impossible. Even if you lack experience, there are many projects you can easily attempt without a hired professional. These tips will help you complete your own home improvement project.

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Some Professional Ideas On Selecting Necessary Issues In Car Insurance

There Are All Kinds Of Reasons To Cancel Or Switch Your Car Insurance.

How can they prove it was you and not someone else driving your car? Whats the margin for error with the equipment? And isnt this a violation of your privacy and right to face your accuser? If you have those concerns, youre not alone. This week the Los Angeles Police Commission voted unanimously to kill the citys red light camera program. It is, to date, the largest U.S. city to join a backlash against the red light camera programs. Along with individual municipalities, nine states have banned the cameras, including Arkansas, Maine, Mississippi, Montana, New Jersey, New Hampshire, West Virginia and Wisconsin, according the National Conference of State Legislatures. Why the uproar over something that its proponents claim is highly effective atreducing speeding and saving lives and preventing serious injury? Opposition to traffic photo enforcement ranges from invasion of privacy and violation of constitutional rights to due process to ineffectiveness and cost-inefficiency. Some even think the programs are nothing more than a money-grabbing scheme instituted by cash-strapped state and local governments.

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Jacksonville State Introduces New Basketball Coach |

( -Jacksonville State has selected a proven winner to take over its men’s basketball team. On Wednesday, Gamecocks athletics Director Greg Seitz announced the hiring of Ray Harper as the program’s 11th head coach and the fifth to run the Gamecocks at the Division I level. Harper will be formally introduced at a press conference on Thursday at 11 a.m. in the Media Room at Pete Mathews Coliseum. The press conference will be streamed live on the OVC Digital Network at this link . “We are thrilled to have Ray Harper take over our men’s basketball program,” Seitz said. “He is a winner and has proven that at every stop he has made in his coaching career. We feel fortunate to be able to land a coach with his credentials at Jacksonville State.”

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Must Do’s For Home Improvement

A lot of people assume that home improvement is just too overwhelming to bother tackling. If you are open to all possibilities, however, you may find that this is not true. This article is filled with useful advice related to home improvement projects.

Always personalize your goals when it comes to home improvement. Make sure that you are adding your own personal touches to your home improvement projects.

When replacing locks, you have two options. You can only replace the cylinder or you can replace the whole assembly. The part that does the locking is the cylinder. A cylinder replacement is what you need if you have lost the key and need to change your lock for safety reasons. On the other hand, if you want to improve the overall appearance and/or security of a door, you’ll want to change out the whole lock unit.

The bathroom is a very important part of a home that’s being sold. Buyers can easily customize the majority of rooms, but make sure your bathroom is attractive and in good working order. Install new sinks and tubs. If the floors are linoleum, swap it out for tile.

Putting in the right type of lighting for a room makes a tremendous difference. Bright rooms are warm and cheery and make people feel comfortable. You can also install additional light to create more brightness. You can improve the overall feel of a house just by bringing some light to one room.

If considering a wood-burning fireplace, consider the downside. In terms of heating the home, the fire creates heat that goes up through your chimney and little goes into the home. It might look great, but it doesn’t work all that well. Also, a fireplace require lots of fresh air which basically means it is taking oxygen out of your home.

Keep your young children safe by padding the corners of your furniture. Many stores offer specialized corner protectors for such an occasion. If you cannot locate them, a simple layer of foam and tape will suffice temporarily. Another thing you can try is to tape dangerous wiring down that could be harmful to your children.

As you can see, there are many steps you can take to prevent yourself from being overwhelmed by your home improvement efforts. It is important to have an open mind when making any repairs. The article above was written to give you important tips on home improvement. You can have an up-to-date, modernized home in very little time by using the advice provided.

A Few Considerations For Elegant Business Insurance Systems

The Default Options On Each Insurers Form Do Vary.

Not as exciting as a new mega-flat screen or an iPhone 4S, but one of lifes necessities, none the less. And a 2011 J.D. Powers report says you can save from 10 to 15% by buying car insurance online. Here are some tips to help you be a savvier online car insuranceshopper Use a aggregate site like Einsurance to get the maximum number of competitive quotes. It doesnt take much more time and the more offers you compare, the better your chances of getting the best deal for you. When requesting quotes, be sure you compare apples to apples. Use the same coverage level across all companies. Fill out the forms honestly. Withholding information or lying will come back to bite you. Tell the whole truth to the best of your ability to get the most accurate estimate of what youll pay for an insurance product. (If youre issued a policy based on an outright falsehood, claims may be denied or your policy could be canceled.) Take advantage of every available discounts like multi-car policies or placing your homeowner and car insurance with the same company. Many insurers will also give affiliation discounts, like if you belong to a certain group or association.

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Jacksonville State OL, DBs under the microscope – Yahoo Sports

The two-time defending Ohio Valley Conference champions are coming off a 13-2 season in which they reached the FCS national championship game for the first time. The secondary lost four starters and the offensive line two. But in the spring game, the defensive backs provided excellent coverage to keep the quarterbacks on the move, and the offensive linemen opened holes for redshirt freshman Cedric Miller to rush for two touchdowns. No official stats were kept in the game. “(Offensive line)-wise, I think we got a whole lot better this spring with the guys we have returning,” Grass said. “(Defensive back)-wise, when you lose four out of five starters, you come into the spring saying, ‘OK, we are athletic back there, but we have to get some experience back there.’ “I really think those guys all did really well today and throughout the entire spring.” Eli Jenkins, the STATS FCS All-America first-team quarterback, sat out spring practices as he continued to recover from surgery to repair a torn labrum in his throwing shoulder. After losing a number of key players from last year’s team, the Gamecocks added four FBS transfers in tight ends Jonathan Curry (Purdue) and B.J. Hammond (Mississippi State), cornerback Pat Porter (Washington State) and athlete Tramel Terry (Georgia). The Gamecocks will open the season when they host North Alabama on Sept. 1. Sports & Recreation

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A Beginner’s Guide To Home Improvement Renovations

An excellent step for many homeowner is a home improvement job. You can increase the overall appearance and value of your home through simple home improvements. Home improvement is about saving money and having fun. This article explores several ways that you can quickly and easily improve your own home.

It is possible to increase your home’s value without undertaking a huge project. If you’re looking to sell your house, then consider doing one or two small things. A bright and colorful coat of paint can add visual interest to any room or exterior. This simple fix will cost only $100 or $200, but can increase your equity up to $1,000.

Think twice about improving with a personal touch. It might be hard to sell if you add too much or a personal touch to your home.

You should always keep your air conditioner filter changed. If it isn’t clean, it will use more energy to clean the house. The unit will also run for a longer period of time. Be sure and replace your filter about once every month.

Sometimes small rooms may be gloomy, but it does not need to be like that. Get some light in there! For example, losing those curtains and going with blinds will work. Simply cleaning the windows will also work. Few things make a room appear larger and more spacious than strategic use of natural light. Pale colors can be added on your walls for a practical appearance. Your small room suddenly won’t seem so cramped anymore.

Prior to installing paneling, paint stripes on the existing walls. No matter how careful you are when installing paneling, the old wall still peeks through. This can be prevented by taking a few minutes to measure the area in which the panels will adjoin. Paint wall strips with a color that is going to match the paneling color.

Once a homeowner has completed a few projects successfully, they will feel more confident in their abilities to try something a bit more ambitious. This cannot be a horrible thing. Never limit yourself; if you set your mind to it, you can achieve anything!

Some Simple Answers On Key Aspects For Car Insurance

Most Of It Is Never Recovered.

After reading how to save time, start an auto insurance quote . Below we outline 3 things you need to speed up this process and, hopefully, find you $500 dollars – or more. 1. Driver’s License Many online insurance forms ask for your drivers license. Certain carriers have access to your States records to verify your traffic and accident history. By withholding this information, you may get a best guess rate that may rise when the carrier checks with your State. In addition, if a carrier finds out that material, or important, information was kept from them when you signed up, then it is potentially grounds for denying your claim. It is a good idea that you are upfront with your insurer. 2. Vehicle Registration If you do not know the make, model, and year of your car or truck, then the vehicle registration will become more than handy. Not only does it include your vehicle description, it has the VIN (Vehicle Identification Number). It will eventually be necessary that you provide this information, so you might as well get it out of the way.

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Gov. Rick Scott signs off on Jacksonville pension solution

Rick Scott signs off on Jacksonville pension solution Gov. Rick Scott signs off on Jacksonville pension solution Friday, March 25, 2:33 PM EDT By David Chapman, Staff Writer Jacksonvilles pension woes might be a step closer toward being solved after Gov. Rick Scott on Friday signed Mayor Lenny Currys sales-tax extension plan into law. Passed by the House and Senate in recent weeks, the bill allows Jacksonville voters to decide on extending a half-cent sales tax that would go entirely toward paying down the citys more than $2.6 billion in unfunded pension liabilities. Scott had a due date of Saturday to veto or sign the bill or allow it to pass without his signature. He signed it a day early along with 67 other bills. The tax essentially would replace a half-cent sales tax expiring in 2030 and in place for Better Jacksonville projects. The pension tax would be effective for 30 years or until the plans are 100 percent funded, whichever comes first. It still has a few steps to go, though. Next up is City Council, which must sign off. More than a dozen have shown early support and went to Tallahassee with local business leaders the day the House approved the bill. If council were to ratify its support, it would then be up to voters quite possibly the toughest sell. Essentially, they would decide to impose a tax on themselves to solve the issue.

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How To Effectively Go About Improving Your Home

For homeowners, home improvements can be fun and hard to complete. You’ll need the following advice if you want to get started with some home improvement projects. Take your renovation and make it a masterpiece!

What kind of character does your neighborhood have? Adding classic Victorian details to your home would look out of place in a neighborhood with Cape Cod homes. Your remodeling plans should compliment your house and the neighborhood and not clash.

A little wallpaper can add appeal and distinction to your bookcase. Choose a design that is different and eye catching. Put the wall paper on the back side of the bookshelf, when you put the books on it will show from behind them. Adding a little bit of edginess to you bookshelf will create a more modern look for not only the bookshelf, but the room that it is in.

Ask a reputable professional to help you inspect the condition of your existing floors before you decide to lay down all new hardwood. In many cases, there is hardwood flooring hidden under existing carpeting or linoleum. Existing hardwood flooring looks beautiful with a new finish. You will come out on top with a nicer floor, and save money!

Make sure the spaces in your home are well-designated prior to placing your home on the market. Each room should have the appropriate accessories and furniture. Buyers will be able to imagine themselves in the room and think of how they will make use of it and enjoy it. Homes with well defined spaces are more attractive and make for faster sales.

Remember to think about landscaping when thinking of home improvement. Believe it or not, when people see your home, initially they notice the front lawn. An attractive one can give quite the impression. A well kept lawn, some shrubbery and a few flower beds can easily bring beauty to your property.

A valuable home must be renovated from time to time. If home improvement and construction skills and experience are lacking in your life, reading this article has hopefully helped you prepare.

A Simple Breakdown Of Significant Aspects In Business Insurance

Wait Another Month Until Frosty Temperatures Are Past.

The sun is setting sooner, creating blinding glare earlier. Invest in decent sunglasses, keep your windshield clean and leave plenty of room between you and the car ahead. Kids are back in school. Watch out for them as well as joggers and bicyclists. Fall Car Care Tips Is your battery three years or older? Have it checked and replace it or at least make sure the connections are tight and corrosion-free. Have your wheels aligned, rotate your tires and replace those with uneven or excessive wear. Check your brake linings, rotors and drums for wear. Make sure your heater and ventilation system is working properly to avoid carbon monoxide poisoning. Replace worn windshield wiper blades and fill up the washer reservoir. Keep your headlamps clean and properly aligned.

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Haskell Acquires Leidos Constructors and Design Assets; New Entity to Operate as Benham

Founded in 1909, Benham’s expertise spans oil, gas, and chemical production; food and beverage manufacturing, consumer products manufacturing, the federal government market and transportation. The organization will be rebranded as Benham, a Haskell Company. The deal is expected to close in the second quarter of 2016 and is subject to customary closing conditions. The acquisition will bring together two companies widely recognized for their pioneering approach toward integrated delivery and both have merged as leaders in engineer-procure-construct (EPC) project delivery in industrial markets. “Joining forces with Haskell was a natural next step for us,” said Michael Gwyn, P.E., who will serve as Benham’s President. “Haskell’s ability to provide fully integrated solutions will complement our design and project management expertise, and help us grow our customer base across the industry. We’re very excited about future opportunities to provide service to our clients in this collaborative environment, and to help them navigate the challenges ahead.” “We are looking forward to seeing Benham, a company with an incredibly rich history, reemerge as part of our team,” said John-Paul Saenz, Haskell’s Industrial Group President. “The additional scale and personnel resources this combination brings to both companies, as well as our mutual proficiency in EPC and design-build, will allow us to better deliver large, complex projects for our customers with a certainty of outcome unmatched in our industry.” Benham, which will operate as a business unit within the Haskell family of brands, is a highly regarded firm, serving Fortune 500 clients in major industries. “This partnership presents a strategic growth opportunity to leverage abundant talent and expertise to produce creative solutions that meet the demands of the AEC industry,” said Steve Halverson, CEO of Haskell. “We share a culture of customer service and innovation and are poised to solidify our market leadership position.” The acquisition will expand Haskell’s geographic presence by adding Benham offices in Oklahoma City, Tulsa, St. Louis, St. Paul, Houston, and Charlotte to Haskell’s global footprint of offices. More information about Haskell’s services is available at . About Haskell Haskell, one of the industry’s leading integrated design, engineering and construction firms, offers client-focused solutions in the industrial, commercial, government, civil infrastructure and healthcare markets.

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Increase The Value Of Your Home With These Tips

Undertaking first-time home improvements can create a lot of stress about money and what the end result is going to look like. You may be wondering what kinds of improvements you should make. With the right information, even first timers can tackle some pretty impressive home-improvement jobs. Find great home improvement tips and advice below.

When you’re doing work on your roof, three-inch aluminum tape can help you deal with any minor cracks that you find in the roofing surface. Place the sticky part of the tape on a surface that is clear of debris. Those cracks will be sealed and waterproofed, with little time or effort involved.

You might have to repaint your porch. Use exterior paint that is good quality. The new paint should have the same base, be it oil or latex, that the existing paint does. An oil-based paint is better for trims and will last a long time but you should use a water-based paint for decks or floors since oil-based paint can become slippery in the winter.

Work with construction adhesive and remove the squeaks from your floors. You may have to work your way into the basement or a crawlspace, but it is worth the effort. What you do is use a caulking gun, then run a line down every floor joist. That way, your floor all sticks together.

Bleach is a great tool for cleaning toilets. Bleach has a strong smell, but it is terribly effective at killing germs. Use some scented bleach if you need to mask the smell.

Get references from anyone you hire to do improvements at your home. Think of it in terms of hiring an employee for your business. You should have an idea what their background is and know if the work that they’ve performed elsewhere has been satisfactory.

As has been shown in this article, making improvements to your home isn’t as daunting as it first seemed. Consider all of its benefitis and the financial rewards that you can reap over time.

Todd Campo Joins Oak Ridge Investments as Head of Strategic Business Development – Yahoo Finance

Throughout his career Todd has experienced success building long-term, mutually beneficial relationships with his clients. “Todd brings experience and leadership to Oak Ridge Investments” says Philip J. Callahan, Head of Distribution & Marketing. “His commitment to serving client interests aligns with our long-term, client-focused business orientation. His strategic business development focus will allow us to grow and diversify both our client base and assets under management.” Campo will be based in New York City. Previous to Allianz Global Investors he worked for Neuberger Berman, American Skandia and PIMCO. Distribution & Marketing, in partnership with portfolio management, is a fundamental strength of Oak Ridge Investments, according to Neil A. Cummins, Chairman. “Todd Campo is an important, seasoned addition to our distribution & marketing professional group.

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A Detailed Examination Of No-fuss Secrets Of Car Insurance

Check Out Our Article On Pay As You Drive Car Insurance For More Information About This Potential Opportunity To Save Money On Car Insurance.

The National Highway Traffic Safety Administration (NHTSA), established by the Highway Safety Act of 1970, estimates that over 6 million car accidents in the U.S. are due not just to bad driving but also to the faulty design. [1] Case in point, the faulty ignition switch thats probably going to cost GM $1.3 billion in recall repairs, [2] not to mention settlements and judgments for lawsuits resulting from death and injury attributed to the problem. Who Does the Testing? Pretty much everything insurance companies do is based on statistics, probabilities and test results. When it comes to deciding which cars are safer to insure, they rely on standards set by two testing agencies: Insurance Institute for Highway Safety (IIHS), a non-profit organization, and the aforementioned NHTSA. IIHS rates cars from Good to Poor. For the past 22 years, IIHS has done the testing in their own facility, rating a broad spectrum of makes and models. According to their website, IIHS tests evaluate two aspects of safety: crashworthiness — how well a vehicle protects its occupants in a crash — and crash avoidance and mitigation — technology that can prevent a crash or lessen its severity. [3] IIHS buys the test vehicles from dealers, using their own crash testing budget. They note in on their websites FAQ page, however, that if a test isnt part of their regular schedule, but is specially requested by the manufacturer, then the manufacture reimburses them for the vehicle purchase. NHTSA uses Five-Star Safety Ratings, which assign stars based on crashworthiness and rollover safety by model, class and manufacturer so consumers can make comparisons based on unbiased data. Unlike IIHS, NHTSA testing is selective and based on, a sample of new vehicles predicted to have high sales volume or vehicles that have been structurally redesigned. [4] Like IIHS, vehicles tested are purchased by NHTSA from dealerships across the nation; they are not supplied to NHTSA by the manufacturer. NHTSA also makes a distinction between older and newer vehicles. Safety ratings for 2011 and newer vehicles should not be compared to ratings for 1990-2010 models since NHTSA introduced more stringent tests and new 5-Star Safety Ratings starting with 2011 models.

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ParkerVision Receives Additional $1 Million in Funding – Yahoo Finance

13 hours ago Content preferences Done JACKSONVILLE, Fla., March 07, 2016 (GLOBE NEWSWIRE) — ParkerVision, Inc. ( PRKR ), a developer, manufacturer and marketer of semiconductor technology solutions for wireless applications, announced today that Brickell Key Investments LP (Brickell), a special purpose fund under the management of Juridica Asset Management Limited, a Guernsey-based asset manager, exercised its option to provide an additional $1 million in funding under the agreement with ParkerVision announced on February 29, 2016. This brings the total funds provided by Brickell to $11 million. About ParkerVision ParkerVision, Inc. designs, develops and markets its proprietary RF technologies, which enable advanced wireless communications for current and next generation mobile communications networks. Its solutions for wireless transfer of radio frequency (RF) waveforms enable significant advancements in wireless products, addressing the needs of the cellular industry for efficient use of power, reduced cost and size, greater design simplicity and enhanced performance in mobile handsets as the industry migrates to next generation networks. ParkerVision is headquartered in Jacksonville, Fla. For more information, please visit .(PRKR-G). Safe Harbor Statement This press release contains forward-looking information. Readers are cautioned not to place undue reliance on any such forward-looking statements, each of which speaks only as of the date made. Such statements are subject to certain risks and uncertainties which are disclosed in the Company’s SEC reports, including the Form 10-K for the year ended December 31, 2014 and the Forms 10-Q for the quarters ended March 31, June 30, and September 30, 2015. These risks and uncertainties could cause actual results to differ materially from those currently anticipated or projected. Information Technology

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Make Your Home Imporvement Projects Easier With This Advice

Welcome to home improvement 101! Home improvements are a complicated endeavor. Home improvement is extremely personal and it is hard to find out what will or will not work for you. The following article contains some great ideas.

Use some aluminum tape to help you patch cracks in the roof. Take off the paper backing before applying the tape to a smooth and clean surface. Your cracks will then be waterproof.

Without much decoration and personality, simple lamp shades are sometimes very boring. Brighten up the room by making your own personal designs on your lamp shades and adding a bit of color. You can give life to your home, as it can take away the boring environment you previously had.

You can make a lot of improvements in your kitchen. A great place to start is by cleaning any grease stains off the walls. A water and TSP solution will usually remove these stains. Eliminate the grease and any excess paint on the walls. Paint your kitchen an attractive shade of tan and marvel at how the character of the room has changed as a result.

Attach PVC pipes as part of your home improvement. If you don’t use this stuff, your pipes could leak. Furthermore, the pipe surfaces must be completely dry.

Your kitchen and bathroom renovations will start with turning off water sources so that you don’t create flooding when you work on your pipes or fixtures. It may seem obvious, but homeowners often forget this step and end up with water damage that requires even more renovation.

There are so many different possibilities when it comes to improving your home. Exploring new ideas can be fun, and different approaches work better for some homes than others. With these suggestions, you can be on the way to making your house a great place to come home to.

The Gilmer Mirror – Gilmer Among More Expensive Cities for Car Insurance

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