How to use your Auto insurance after an Accident in Memphis

Auto Insurance Memphis

Memphis sits on a bluff overlooking the Mississippi river. Memphis is home of the blues and birthplace of rock n’ roll. You can still take a cruise on a paddle wheeled riverboat along the lazy Mississippi. Even in a historical and musical city such as Memphis, accidents happen. Auto insurance in Memphis is an absolute necessity in modern day times. The penalties for driving without auto insurance are extreme.

If you should get into an auto accident, the police are going to ask for your registration, driver’s license and proof of auto insurance immediately. Nobody wants to be involved in an auto accident. It’s dangerous, expensive and shakes up your confidence in life. This is the time have a very good auto insurance company that stands behind you and helps you through a genuinely traumatic experience.

The most important thing to do is stay calm. This is easier said than done. The first reactions are incredulity that the accident happened, fear, shock and sometimes panic. The first thing to do is call 911. Then go to see if anyone is injured and needs immediate assistance. If the vehicles are in a dangerous location, move them immediately. If they are safe, leave them as is.

The next thing to do is take pictures. Use your cell phone to document the accident before anything is moved. If you have pen and paper in your glovebox (which you should have especially for this purpose) begin to write down what happened. Get the names and number of witnesses.

Next, get the names and numbers of everyone involved in the accident. Try to stay calm and relaxed.

It’s important to obtain the name of the other party’s auto insurance company and the vehicle identification number (VIN) number on their car. Many auto insurance in Memphis use VIN numbers, not license plate numbers.

After an accident, people tend to be very upset and want to talk. Don’t discuss the accident with anyone but the police and your auto insurance agent.

Call your auto insurance’s 800 number while still at the scene. Sometimes the police officer can assist in explaining the accident to your auto insurance company. None of us think too clearly at times like these.

Finally, file a police report no matter how insignificant the accident might seem. Your auto insurance company can process a claim in the speediest manner with a detailed and accurate police report.

Be honest with the police no matter how scared or responsible you may feel. Lying to a police officer about the accident may land you in jail. With that in mind, relax, realize you are safe and tell the truth.

Everyone makes mistakes.

Fall is the Time to Hire Chimney Cleaning Services in Atlanta

Cleaning Services in Atlanta

Fall is the time to think about chimney cleaning services in Atlanta. As the days shorten and temperatures drop, the sounds and smells of a fire are a wonderful experience. Chimney cleaning services are an important part of preparation for upcoming winter months.

Have you ever wondered why smoke in a chimney goes up instead of into your home? It goes up because hot air rises. When you start a fire, the air inside your chimney becomes warm and less dense and starts to rise. As the warm air rises, cooler air from the room rushes in and fuels the fire, fanning the flames.

The primary reason for hiring chimney cleaning services in Atlanta is to inspect for blockages, cracks or other problems that can lead to carbon monoxide leaks and fires. Sweeping the chimney is done to remove soot and prevent chimney fires. Soot and water come together to create sulfuric and hydrochloric acids that can eat into your chimney structure. It’s a good idea to have regular inspections by your Chimney cleaning services because over time, creosote layers can become denser making it difficult to remove with standard equipment. Creosote is flammable and under the right conditions can start a fire so hot it can spread to surrounding wood and other flammable materials in your home.

Creosote buildup can cause improperly vented smoke to backup into your home. It can also cause the smoky odor that sometimes remains even after you remove ashes from your fireplace.

Chimney cleaning services will inspect your chimney for creatures that have moved in during warm summer months. Birds, squirrels and raccoons like to reside in chimneys. Moving them out prior to lighting your first fire will simplify your life.

Chimney cleaning services can also install chimney caps to protect from rain and snow. Chimney caps fitted with spark arrestors will keep birds and animals from taking residence.

Chimney cleaning services will assess the structural condition of your chimney. Corrosive acids can lead to deteriorating mortar and broken bricks. A hairline crack in your flue will expand at high temperatures allowing heat and flame to escape. This can cause your house to catch fire.

Chimney cleaning services will also make an assessment on whether your chimney needs to be lined. Many chimney-cleaning services now use cameras to view the chimney and detect problems. Be sure to have all your chimneys inspected including the gas heater, fireplace, stove, water heater, furnace and wood stove.

Health Clubs in Detroit: Clean Your House and Exercise at Home

Health Clubs in Detroit

Most of us join health clubs in Detroit to feel good about ourselves. We feel good that we are exercising and we feel good that we plan to exercise. Health clubs function as morale boosters to make us feel good about ourselves.

People living in remote rural areas don’t join health clubs in Detroit. They chop wood, feed chickens, tend to animals in the barns and live a life where exercise is part of living. People living in cities tend to lead sedentary lives and can benefit from exercise. The secret is that exercise is everywhere.

There are an infinite number of ways to exercise without going to a crowded, sweaty health club. So, let’s look at the numbers. How often do you vacuum? Vacuuming burns 238 calories per hour. You can walk on a treadmill for the same amount of time and burn 540 calories. Ask yourself, “What have I accomplished during my walk on the treadmill?”

Cleaning house burns 204 calories per hour. If you get down on your knees and scrub the floors, you burn 272 calories an hour.

Heavy cleaning in the bathroom burns as many calories as a moderate workout. Common sense dictates that you get something in return for your exertions – in this case a clean bathroom. With the cost of food going up and up, the purpose of exercise is more to stay in shape and keep your heart and cardiovascular system healthy than to burn calories. Don’t squander calories running in place, sharing sweaty gym machines and taking showers in stalls filled with all types of germs. Spend your calories usefully.

A normal, healthy, active life provides all the exercise you need. Even for city folks. What is the logic of driving to a health club to walk on a treadmill? Why don’t you take the dog for a walk? Why don’t you take the kids for a walk?

Health clubs in Detroit perform a service. For people who want company while exercising, a fitness club is definitely the way to go. If you enjoy muscle building, all the wonderful weight equipment will keep you strong and fit.

If you simply want to live a healthy life, look around to see the multitude of tasks that will keep your body strong and supple. Pull down the dusty curtains and wash them. Clean the windows, wash the car, clean the garage and keep yourself healthy. Go for walks at night with your loved ones. Breathe the air and feel the wind in your face. No gym can compare with the beauty and simplicity of a life lived naturally.

Finding Great Deals at Discount Furniture Stores in Washington DC

Discount Furniture Stores in Washington DC

Discount Furniture stores can be a lifesaver when moving to new locations. If you’re moving to Washington DC and have decided it’s cheaper to leave your belongings behind, discount furniture stores in Washington DC provide incredible deals.

As the economy worsens and the price of food keeps going up, many businesses are struggling to survive, and prices are going down. One type of business that keeps lowering prices is discount furniture stores. Part of the reason for the great deals is that many types of furniture are being imported from countries with lower costs of wages. Beyond that, loss of sales and competition has caused discount furniture stores to keep lowering their prices.

One such discount furniture store offers free next day delivery, free set-up, free removal and a $400.00 instant rebate on mattress sales. They also offer five piece Bedroom packages for $599.00 with savings of $1,027.01 over purchase of the individual pieces. For rock bottom prices, you can pick up an American Signature Pillow top Queen Mattress set for $349.00.

Another discount furniture store in Maryland is offering brand new five piece queen sized bedroom sets for only $659.00 with some sets selling at $469.00. Recliners go for $379.99 and sofas are going for only $359.99.

Not all discount stores are available in every region of the country. You cannot find East Coast discount furniture stores such as Value City or Bob’s Furniture on the West Coast.

Even with rock bottom prices, if you don’t have money, discount furniture stores are not going to help you furnish your home. Many discount furniture stores offer phenomenal financing but again, if you’re in debt or have a bad credit score you are not going to qualify for those terms.

Some discount furniture stores in Washington DC specialize in used furniture. One discount furniture store in Minnesota buys and sells used furniture and appliances. This has a twofold benefit. First, those who need to sell have a market. Secondly, those who need to start up, for whatever reason, or add to their household goods have a discount store available to purchase used goods. Used discount furniture stores offer a lovely 5-piece bedroom set (with picture so you can see how it looks) for only $235.00. That’s a great buy for anyone who has to start over with no furniture. They also carry a great Frigidaire Front Load Washer for only $285.00 and a solid oak 5 piece dining set for $145.00.

With prices like these, you can afford to start over and leave it all behind.

What are the Dangers in Child Care Centers in Dallas?

Childcare Dallas

Dallas is located in north central Texas. It is one of the hottest regions in the country during summer months. Dallas has a humid subtropical climate where warm summer winds create temperatures well over 100 F. The heat index can soar as high at 117 F. Conditions can be very harsh in Dallas and people work hard for a living.

Working parents with children have little choice in their decision to use childcare centers. Unless you are fortunate enough to have local grandparents willing and eager to watch your children, childcare centers are not an option. They are a necessity.

When you entrust your child to a childcare center you might assume that state and local licensing rules protect your child from dangers in the childcare center environment. That is not the case.

Parents need to do their own homework before placing their children in childcare centers.

Child predators, criminals and sex offenders are not allowed to work at childcare centers. That does not mean they aren’t there. Childcare centers in Dallas do sometimes hire people with criminal records.

In addition, parents are often unaware of events that happen in their child’s care center because they don’t know what to look for. They don’t know the criminal record status of the help. They cannot read children’s minds and know when an infant has been left for hours in a baby swing. They don’t know if there are guns in the house. They don’t know where caustic chemicals are stored.

States inspections vary in frequency and childcare centers in Dallas often know when the inspectors will arrive. The best inspectors are parents who drop in occasionally, unexpectedly and observe what happens when no one is looking.

If a parent goes online and does their research, the dangers of childcare centers becomes quite apparent. The internet is riddled with such stories and you can check your state regulatory websites for incident reports such as:

·         Day care employee places a 3-year-old in a closet as a form of discipline

·         Day care employee slapped at least one child in the face

·         Director of a child care center for 23 children was sleeping and had to be woken up by an inspector

·         Director of child care center had blood alcohol limit twice the legal level of intoxication

Parents should ask if the child care center is licensed with the state, will the provider give references, does anyone (including the facility) have a criminal record, is the provider trained in early childhood education and first aid, what activities will the child be doing all day and are parents welcomed to visit.

Parents should visit the childcare center and watch interactions between the staff and children. Talk to other parents whose children attend the center.

Mortgages in New Orleans: What does it take to Qualify for a Mortgage in 2011?



Mortgages in New Orleans



If you are currently shopping for mortgages in New Orleans, chances are that your loan will go through Fannie Mae and Freddie Mac. These two government-sponsored enterprises (GSE’s) purchase mortgage loans from lenders and sell them to investors. The transformation of a mortgage loan into an “investment” happens in the secondary mortgage market.

Before 1938, banks and private lenders loaned money for mortgages directly to homebuyers. The Great Depression and President Roosevelt’s “New Deal” created a new method for issuing home mortgages that would guarantee mortgage lenders from default. This new method was the creation of the secondary mortgage market. Secondary mortgage markets determine the lending guidelines for individual lending companies. Their standards for home mortgages will be the standards followed by your individual lender.

There are three basic components in obtaining a home mortgage in New Orleans. They are “credit score”, “debt to income” and “loan to value.”

Your credit score and credit history are crucial in obtaining a home loan in today’s market. Each of the three major credit agencies uses different system to determine your credit score. Experian uses the FICO score based on a model created by Fair Isaac and Company. FICO is the best-known type of scoring system. This score takes into account the length of time you’ve had credit, your payment history, how much you owe and how many times your credit has been checked. The minimum FICO score for a 2011 prime mortgage is 680-720.

If you have a high FICO score, it shows you are a better credit risk and may qualify for better mortgage rates.

The next component in determining your ability to repay a loan is your “debt to income” ratio (DTI). A standard formula used in determining qualifications is the 28/36 ratio. The first number in this ratio is the maximum percentage of gross monthly income that can be applied to housing. This amount includes loan principle, interest, PMI (private mortgage insurance) and taxes.

The second number is the maximum percentage of your gross income that can be applied to housing expenses and recurring debt. Recurring debt includes things such as car payments and car insurance, monthly credit card payments and other loans (such as student loans) and alimony.

Finally, the “loan-to-value” ratio is the number arrived at for applying the amount of your loan as a percentage of the total value of the property. If the ratio is high, lenders can require borrowers to purchase ‘mortgage insurance” to protect lenders in case a borrower should default. This increases the cost of the mortgage.

Pet Furniture in Miami: Outdoor Cat Enclosures for Indoor Kitties

Pet Furniture in Miami

Pet furniture in Miami comes in all kinds of shapes and sizes. There are cat trees, doghouses, kitty condos, rabbit shacks, bunny barns, small animal playpens, hamster homes and super pet crittertrail playpens with mats.

When it comes specifically to cats, there are cat trees, cathouses, kitty condos, kitty gyms, cat scratching posts and poles. Another type of pet furniture is an outdoor cat enclosure.

Indoor cats yearn to go outside and chase butterflies and squirrels. They like the feel and smell of grass and the smells in the wind. Pet furniture can allow them this experience,

The outdoor world is not very kind to cats. There are pools of antifreeze, deadly pesticides, fast cars, big dogs and sometimes, big unfriendly people. Cats are far safer living indoors where they live far longer lives.

What can you do to give an indoor cat a taste of the outdoors? Cat enclosures give your kitty an opportunity to step outside and savor the tastes of the free world. Cat enclosures are a form of pet furniture that allows kitty to go outside while remaining safely, inside.

There are a number of pre-built pet furniture enclosures on the market. Some are made of redwood lumber and high quality garden mesh. Other pet enclosures consist of modular metal buildings. Another type of enclosure is metal cages with runs that can be attached to windows or used on decks or yards.

A great number of pet furniture in Miami are available to build enclosures for your home, apartment or RV. There are even gazebos designed expressly for the outdoor freedom of indoor cats.

Gazebos are the most stylish of the pet furniture enclosures. “Cages by Design” builds six and eight foot cat gazebos that are elegant and eye pleasing. They come with everything a cat would enjoy including solid cedar shelves, plush cat trees, catwalks and even connector kits to allow your pet to traverse between the outdoor enclosure and your home. These gazebos are beautiful and have the odd effect of making your cats look like birds in a birdcage. I don’t think the cats are complaining.

One of the most unique pet furniture kitty enclosures are built for RV travel. A product called, “Kitty Kat Kabana” is designed to attach to the windows of your RV and add an adjacent room for the traveling kitty to step outside, lie in the sun, smell the breeze and watch for birds.

When Do You Need Locks and Locksmiths in Dallas?

Locksmith Dallas

Why would anyone choose the services of a locksmith to install locks in Dallas? NeighborhoodScout’s® ranks Dallas 95th in safety of all US cities. On a scale of one to100, (one being safest) Dallas ranks number 95. Dallas has a population of over 1.2 million people with 76,810 annual property crimes. The ratio of property crimes is 60 per 1,000 residents. Using proper locks and locksmiths can substantially reduce your chances of becoming a victim to a property crime.

Most of us never think about locks and locksmiths. We go about our lives, keys in hand, opening and shutting doors throughout the day. The only time we think about a locksmith is when we’ve left the bathtub running to step outside for the morning paper. When the door locks behind us, the locksmith in Dallas becomes a lifesaver. Being locked out while going to the mailbox in subzero weather can quickly becomes a matter of life and death. Its circumstances like these when we think about locks and locksmiths in Dallas.

Locksmiths also come in very handy when you’ve locked your keys in the car. Unless you belong to a roadside service, being locked out of your car in cold weather is frightening. Newer cars use transponder chips in their keys and you’ll want to be certain you’re working with a locksmith who is familiar with modern technology.

Occasionally a crime wave will hit our neighborhood and locks and locksmiths can be essential partners in shoring up security. The first step to increasing your family’s safety is ensuring every entrance to your home is secure. Your locksmith will help you check doors, sliding patio doors, basement doors, garage entrances and windows. You should have secure locks at all these points of entry. Robbers will use any means possible to gain entry to your home. Your locksmith will assess and upgrade locks for maximum security.

Another reason we find ourselves in need of a locksmith in Dallas is due to lock failure. Occasionally a lock will give way due to age and use. Locksmiths come to our premises and repair or rekey locks. Locksmiths are very helpful when looking for ways to make our homes and businesses more secure. A reputable locksmith will make a survey of all our security needs and suggest adequate measures. They can install locks and cameras to add security measures to our premises.

Locksmiths are much like priests and doctors. Don’t wait until it’s too late to seek their services. Make an appointment for a reputable locksmith to assess your premises, today.

Do Child Care Centers in Cincinnati Improve the Social Skills of Children?

Child Care Centers in Cincinnati

Cincinnati, Ohio is a beautiful city nestled on the banks of the Ohio River. Cincinnati is located in America’s heartland and combines small town charm with big city amenities. It is one of the most comfortable places to live in the United States. Cincinnati, known as the “Queen City of the West,” offers a safe, clean downtown area with upscale shopping, restaurants and museums.

Many working parents in Cincinnati feel guilt at having to leave their young children at childcare centers. Social media and friends can add to this pressure by implied or spoken disapproval. Take heart in knowing that quality childcare centers can actually benefit your child’s social skills.

One of the most important areas of childhood development is the ability to build relationships and get along with other children and adults. A quality childcare center can help your child develop solid social skills.

Young toddlers experience a developmental phase called “parallel” play where they play alongside each other rather than with each other. Parallel play is an important building block for later social development. Parallel play is a bridge between the private play of babies and the more intricate interactions to come later as children play together. Childcare centers in Houston offer great opportunities for these interactions to take place.

As children progress through the later stages of toddlerhood into preschool years, they are constantly developing and improving their capacity to make friends and negotiate and resolve conflicts. Childcare centers offer wonderful opportunities for children to practice these skills.

A good childcare center will help your child develop social skills by planning experiences including dramatic role-play opportunities. Caregivers will also provide small group activities and organized games that require negotiation, sharing or taking turns. Qualified and caring childcare professionals will observe your child in tandem with other children to examine and guide their interactions.

Highly qualified personnel in childcare centers in Houston will use role modeling and verbal support to help your child build positive relationships and learn how to manage conflicts appropriately.

Childcare centers are a hard reality for many families who constantly worry about the state of their child’s emotional and physical wellbeing. Oftentimes guilt and anxiety play a predominant role in the parent’s daily life. Searching out and finding quality childcare centers will significantly improve your mental wellbeing. Be confident knowing quality childcare centers end up benefiting you child now and throughout their lifetime. Take heart in the knowledge that you are contributing to your child’s future happiness and success.

Divorce and Mediation Services in Houston: How Many Types of Alimony Exist?

Divorce Services Houston

Divorce and mediation services in Houston can assist you when the ultimate decision has been made to divorce. Approximately one million couples a year divorce in the United States. Divorce and mediation services offer a variety of methods to approach your divorce.

Divorce and mediation services can assist in different types of divorce such as ‘no-fault’, ‘at-fault’, summary divorce, uncontested divorce, collaborative divorce and mediated divorce. If one partner has stayed in the home to raise children, a divorce brings up the need for spousal support. The subject of alimony comes up if a judge believes the divorce created an inequitable economic situation for one spouse.

Alimony is a term denoting legal obligation to provide financial support to one’s spouse from the other spouse after marital separation or divorce. Alimony is premised upon the idea that spouses have a legal obligation to support each other during marriage and beyond that into divorce or separation.

There are five types of spousal alimony recognized by most state courts.

Lump sum alimony is awarded when one spouse does not desire any of the property or valuable items from the marriage. The judge may order a one-time lump-sum payment in compensation for the other items. Divorce and mediation services can assist in ensuring an equitable amount is awarded.

Another form of alimony is called rehabilitative alimony. This is where a judge orders payment to provide financial support while the ex-spouse goes to school for job training or searches for work. This type of alimony is temporary.

Reimbursement alimony is an attempt to repay a spouse who supported a partner through higher education or work training. This type of alimony entails regular payments to reimburse a portion of the costs paid.

Divorce and mediation services in Houston can ensure temporary alimony is made during the period of time the couple is separated, or in divorce proceedings, but not divorced. These payments are intended to cover the costs of the divorce, daily expenses and will continue until the court sets the amount of permanent alimony.

Permanent alimony is the amount awarded at the conclusion of the divorce. Although permanent alimony is usually permanent, it can change due to circumstances such as remarriage or cohabitation.

Divorce and mediation services can assist in determining alimony calculations that vary from state to state. Courts take into consideration the age of the ex-spouses, how long the couple was married, and separated, their incomes, anticipated future income and gender of the party seeking alimony. Other considerations are the couple’s standard of living during the marriage and the physical, emotional and financial condition of the spouse.

Auto Service and Repair in Houston: How to Perform Your Own Car Maintenance

Auto Services Houston

Auto Service and Repair in Houston is essential for vehicles. For the young or adventurous, car maintenance can be a “do it yourself” project. If so, here are some tips to keep your car running safely.

Start by checking the headlights and brake lights. Check turn signals and running lights. If any of the bulbs, (especially the headlights) have burned out, refer to your local auto Service and Repair technician for assistance. Headlights are often difficult to access and require accurate setting of the headlight beam.

Check your tires. Tire pressures respond to outdoor air temperature and the heat caused by friction on the road. Don’t forget to check the pressure in your spare tire. Rotate tires every 6,000 miles. If rotating tires proves too difficult, refer to your local auto service and repair technician.

Look carefully at your windshield wiper blades. Sunlight quickly dries and cracks wiper blades reducing their ability to clean your windshield. Blades should be replaced every 6-12 months. Check your washer fluid reservoir often and be sure to replace with washer fluid that does not freeze as winter months approach.

Next, open the engine compartment and check the engine oil. Engine oil is critical to keeping an engine in excellent health. Most manufacturers recommend changing the oil every 3,000 miles or three months. Be sure the engine is off before you check the oil. Remove the dipstick, wipe it with a clean cloth and then place it back into the engine. Take the dipstick out again and check that the oil is between the two lines marked on the dipstick. Do not overfill the engine oil; it can damage your engine. If changing the oil is more than you care to do, take your car to your local auto service and repair technician.

Most car batteries today are sealed.

To check your coolant level, be sure your engine is cool. Never open the radiator when the car is running or the engine is hot. Most cars have coolant reservoirs so that you don’t have to open the radiator. When the engine is cool, the fluid level should be between the ‘high’ and ‘low’ marks. Change engine coolant according to your manufacturer’s recommendations. It is safer to use local auto service and repair in Houston technicians so they may recycle the coolant.

Check your air filter. If it is dirty, replace it. Clean filters allow more air to reach your engine and improve performance and mileage. Replace according to manufacturer’s recommendations.

To check the transmission fluid look for a reservoir marked ATF (automatic transmission fluid). Always check it with the engine running.

If you have a power steering reservoir check it visually. If not, use the dipstick.

Check the brake fluid reservoir to verify there is brake fluid in the system. Many break systems still contain asbestos pads. Have your brakes checked by your local auto service and repair technician.

Finally, change your fuel filter once a year to ensure the gas does not encounter obstacles on its way to the engine.

For the enthusiast who enjoys servicing their own cars, have fun and enjoy the fruits of your labor.

Advanced Wireless Internet Access in Kansas City for Businesses and Governmental Use

Internet Access Kansas City

Internet access in Kansas City workplaces is about to be transformed. In Kansas City and elsewhere throughout the world, wireless Internet access is becoming a convenient method for installing business and government networks.

Installing hard-wired internet access networks is time consuming and expensive. Ethernet cables connecting client machines need to be routed through walls, ceilings and floors. In the past, this inconvenience had to be endured in the name of greater security and faster speeds of Internet access data transfer.

Improved wireless Internet access in Kansas City now has the capacity to catch up with the data transfer rates of hard-wired data Ethernet cables. WPA2 (Wi-Fi Protected Access 2) encrypts all Internet access traffic on the LAN so that security remains tight. WPA2 provides government grade security by implementing the National Institute of Standard and Technology (NIST).

There are two versions of WPA2 – Personal and Enterprise. Personal protects unauthorized network access by utilizing a set-up password. WPA2-Enterprise verifies network users through a server.

High-bandwidth allocations for Internet access wireless will make it possible to equip classrooms in the United States with low cost LAN’s. Hospitals are also expected to install wireless LAN systems wherever existing LANs are not in place.

Technology from Symbionics Networks, Ltd. provides a wireless LAN adapter that can be made to fit on a Personal Computer Memory Card Industry Association (PCMCIA) cared for a laptop or notebook computers.

Even Federal agencies are employing secure Internet access wireless architectures. Cisco Unified wireless Architecture can provide increased productivity from conference rooms and public spaces. Cisco also reduces operational expenses via simplified Internet access network deployment and operations abilities. Nework management can control hundreds or thousands of wireless Internet access points from a single management console. Cisco uses FIPS security for every component in the wireless architecture.

Cisco Unified Wireless Network supports advanced Internet access wireless intrusion detection and prevention services. With this capability, the network can automatically identify attacks in real time, as they happen. Not only can Cisco detect rogue Internet access devices and other hostile or threatening activity, Cisco has location tracking capabilities for tracking the physical location of a single rogue client device. Using a combination of signal strengths from one, two or more access points and analyzing RF (Radio Fingerprint) algorithms Cisco is able to find the most probable location of rogue AP and rogue clients. Once it detects a rogue, the WCS places a unique rogue icon directly on the map of the coverage area displaying its most likely location.

Do I Need an Insurance Agent in St Paul?

Insurance Agent St Paul

St Paul, Minnesota is situated in the northern regions of the United States. Due to its location, winters are frigid while summers are hot and humid. St Paul experiences one of the greatest ranges of temperatures of any major city on earth. Any insurance agent in St Paul will likely be a hardy northerner ready to take on any task.

In these times of electronic transactions, many younger people would not consider using an insurance agent to purchase car insurance. Those of us from an older time remember the only way we could purchase car insurance was by going to the office of an insurance agent.

Many of the new car insurance companies do not require insurance agents. It’s possible to go online and buy car insurance without speaking to a human being. There are advantages and disadvantages to this method.

With an insurance agent in St Paul, you have personal service. Many older people find this a more familiar method of buying insurance. It’s also comforting to have a familiar, friendly person to deal with in times of crisis. After suffering from a car accident, it can be shocking to go through a series of voice prompts trying to locate a human being. After an accident, it can be difficult to think clearly and all you want is to find a recognizable voice to help deal with the emergency. Having an insurance agent you know by first name can be extremely calming and helpful.

Another major benefit of having an insurance agent is that insurance agents offer car, home and financial services and may provide a multi-policy discount. Most online companies are not yet offering home or financial products as part of car insurance purchases.

There are two types of insurance agents. One type is called, ‘captive,’ and sells for only one insurance carrier (insurance company). These agent works for the company and are not self employed. State Farm, Nationwide and Allstate employ captive agents. These agents handle most of the customer’s needs but works directly for the carrier

An’ independent’ insurance agent works with multiple carriers. These agents may have one preferential carrier but have the ability to work with other companies to benefit their client. These insurance agents work for the client, not the carrier.

When it comes to purchasing other types of insurance, such as life insurance and home insurance, you need to work with a life insurance agent. They can help you determine the amount of coverage you need and the best type of policy for your family. They may very well assist with other types of coverage, such as your car.

The Benefits of Cleaning Services using Natural Products in Phoenix

cleaning services in Phoenix

Cleaning services use a variety of cleaning products in Phoenix, Arizona. A new trend in cleaning services is use of, 'green products' which are said to be good for both the housekeeper and the environment. In truth, many of these 'green products' are quite toxic and represent significant health hazards to the workers who use them every day.

Commercial 'green products' may be good for the environment but anything that sickens a cleaning service worker is probably not good for the environment. These products are also expensive and work less effectively than standard 'hazardous products.'

A good, truly natural alternative for a cleaning service in Phoenix is to use simple products found in nature. It's possible to clean an entire home using only white vinegar. The results will be better than any product you can purchase, either 'toxic' or 'green', and far less expensive.

Vinegar is a sour tasting liquid containing acetic acid. Vinegar is obtained by fermenting dilute alcoholic liquids such as wine, cider or beer. A cleaning service can clean an entire house using only vinegar.

Vinegar is an excellent cleaner for all kitchen surfaces including countertops, refrigerators and stovetops. Vinegar will clean and shine faucets and kitchen sinks. It will make your toaster and coffee maker gleam with sparking bits of lights. Cleaning services using vinegar leaves appliances so clean they pass the 'squeaky test'.

For cleaning services concerned with antiseptics, H.J. Heinz Company quotes numerous studies showing vinegar is a powerful antibiotic that kills bacteria, mold and germs. A vinegar solution of 5% (store bought strength) kills 99 percent of bacteria, 82 percent of mold and 80 percents of viruses. Unlike modern antibiotic soaps, vinegar does not contribute to drug resistant bacteria.

Vinegar can be used to clean windows with a 50% solution of vinegar and water. Wipe the window with newspapers or cloth for an extraordinary shine. Cleaning services in Phoenix also know hardwood floors respond well to vinegar. Mix ½ cup of white vinegar to  gallon of water. The floors come out looking great and are very clean.

In the bathroom use vinegar to spray shower walls and shower curtains to prevent mildew. Remove stains from the toilet bowl by spraying with vinegar and soaking. Clean counter tops and porcelain, mirrors, light bulbs (turn them off first) and tile floors. The faucets, door handles and even the toilet bowl itself will shine and sparkle. You cleaning service will amaze your with the results.

It only takes one natural product to clean most of your house effectively, cheaply and with no harm to the environment. Select cleaning services that protect you, your home and the environment, all at a very low cost.

Insurance Agents and Brokers in Houston: Risks of Applying for Individual Life and Health Insurance

Insurance Agents and Brokers in Houston

When you go to insurance agents for health insurance in Houston, your policy premium is determined by a number of factors. The most important factors are age, smoking history and previous or current medical conditions. Your occupation will also factor into the equation.

Insurance agents in Houston are willing and eager to sell health and insurance policies. Selling policies is how they earn a living. An agent submits policies to an underwriter who will determine risk factors. The underwriters decide if a policy will be issued, and if so, the price of the premiums.

Insurance agents are considered the most important component in risk analysis of prospective applicants. Insurance agents meet applicants face to face. When filling out the insurance applications insurance agents are able to view applicant reactions. The agent is in a position to determine the honesty of answers given to questions on the application. In addition, the ability to accurately and completely record answers to questions is crucial in making accurate determinations of insurability. Agents must be completely honest in reporting pertinent information.

Underwriters may use "The Medical Information Bureau" (MIB) to determine if a particular applicant will be covered.

Insurance agents in Houston are eager to sell policies but underwriters make final decisions with assistance from the MIB. What is the MIB and how does it affect your insurability?

The MIB is a nonprofit trade association that maintains medical information on applicant's health and life insurance information.

The life and health insurance industry relies on MIB to provide information allowing for accurate underwriting of insurance. MIB is considered an authority in quantifying mortality and underwriting standards. This helps insurance companies improve profitability.

MIB maintains a record on almost everyone who has applied for individual coverage of life, health, critical illness, disability or long-term care insurance within the past seven years. Close to 500 insurance companies submit information to the MIB so if you've applied for any of these types of policies recently, MIB will have a file on you.

MIB data is reported to member companies in code. The database contains no details about the individuals. The purpose of the database is to alert companies to information obtained and reported by a member company of an applicant's medical problem or work related risk. Underwriters use MIB information to compare it with information in the prospective candidate's application. Should the MIB file contain a code for a condition that is not listed on the application, the underwriter would then question the applicant more specifically about that condition.

The MIB also tracks the number of times information has been requested on an individual in the previous two years. This report is called the Insurance Activity Index (IAI) and is used to pinpoint people who replace insurance policies frequently. The MIB also detects individuals who are accruing a number of insurance policies in small amounts. This situation has occurred in criminal attempts for "murder for profit."

Pubs in Chicago: The Future of Biometrics

pubs in Chicago

The next time you're enjoying beers at pubs in Chicago, be glad you're not 'down under' in Australia. Pubs and nightclubs in Australia have been scanning driver's licenses while simultaneously taking photos as patrons enter establishments. The information is stored on Australia's largest biometric database, idEYE.

Violence and crime has dropped significantly in pubs due to the system. Troublemakers are flagged on the database. When they try to enter different pubs on the shared database, they are denied entry. The length of the ban varies according to individual establishments and the nature of the offense. The ID and photo data is encrypted and stored on secure servers.

Databases are not subject to governmental regulations. Biometrics in Australia is not covered by privacy laws. Vendors offering the service have complete control over information stored in their database. Everyone entering a pub or nightclub using this system has information stored on the idEYE.

The national database can be adjusted to fit a particular pub or nightclub's needs. The system can be configured to use facial recognition, optical character recognition or fingerprint scans. Although customers are divided on the need to give up biometric data to buy a beer, alcoholic related incidences in pubs in Chicago have dropped up to 80%.

According to biometrics.org, "Biometrics is automated methods of recognizing a person based on physiological or behavioral characteristics. Among the features measured are face, fingerprints, hand geometry, handwriting, iris, retinal vein and voice. Biometric technologies are becoming the foundation of an extensive array of highly secure identification and personal verification solutions. As the level of security breaches and transaction fraud increases, the need for highly secure identification and personal verification technologies is becoming apparent."

The impetus for increasing use of biometrics is coming from the biometric industry and the financial industry. The military is also finding uses for remote, "Biometrics-at-a-distance." The Pentagon's Defense Advanced Research Projects Agency (DARPA), established in 1958, is looking to build sensors that can remotely identify humans from farther away and distinguish them in a crowd. The technology already exists for using radar waves to detect respiration through walls. Technology also exists which can use Doppler radar to find heartbeats. Some of the Pentagon's devices can see through eight inches of concrete.

The goal is to find specific humans hiding in a crowd. Your heartbeat is a unique biometric identifier.

The future of biometrics will soon be no further away than the cell phone or iPhone you're holding in your hand. Technology is rapidly approaching the time when the hardware and software for fingerprint scanning devices will be embedded in wireless handheld devices.

Bathroom and Kitchen Contractors in New Orleans: Selecting the Proper Flooring in Bathrooms

Bathroom and Kitchen Contractors in New Orleans

 Bathroom and kitchen contractors in New Orleans will help select the perfect flooring for your bathroom. Bathroom flooring decisions require more than a preference in looks and style. Bathroom usage requires that the tiles protect underlying structures from moisture and decay. Bathrooms also experience spills - will your tiles clean easily? Most importantly, is it safe to walk across the floor when it's wet?

Bathroom and kitchen contractors in New Orleans will help you decide if vinyl is the proper choice for your new bathroom flooring. Vinyl has long been one of the most popular materials used for bathroom floors. Vinyl sheets come in 5-12 feet wide rolls for a seamless look. Vinyl tiles are typically 12 to 18 inches square. Vinyl tiles are usually easier to install than large sheets. Vinyl is easy to clean and resists stains and moisture.

Bathroom and kitchen contractors will help you decide if hardwood flooring is the best selection for your bathroom floor. Hardwood flooring can match the rest of the house creating a sense of design and unity.

Sometimes bathroom and kitchen contractors will recommend laminate. Laminate is a made of many types of materials bonded together for strength. Laminates can appear to be other materials including wood. Laminate is hardwearing and simple to clean. It is often the most logical choice for bathroom floors.

Although some bathroom and kitchen contractors would recommend against carpet for bathroom flooring, carpet can be a good choice if you do your homework. As long as the carpet is resistant to mildew, water and stains (with backing that protects the under pad), carpet can be a nice choice for your bathroom floor. It's always very nice to step out of the shower or tub onto a warm, soft carpet.

Ceramic tiles are commonly recommended by bathroom and kitchen contractors. Ceramic floor tiles have more texture than wall tiles to prevent slippage. The tiles usually measure ½ to ¾ inch thick. Tiles can measure from 2 feet square down to 4 X 4 inches. Many types of shapes are available. Youan also purchase mosaic tile set in fabric mesh sheets. One critical thing to keep in mind is that ceramic tile varies in porosity. Be certain to select the tile that is most resistant to moisture (impervious).

The last selection is natural stone. These stones usually come in squares of 12 inches or larger. Stone is easy to maintain but requires strong subflooring and has the potential to be slippery when wet.

Child Care Services Prepare Children for School in Seattle

Child Care Seattle

Seattle, Washington is located in the magnificent Pacific Northwest. Seattle sits beside Elliott Bay with Mount Rainier hovering in the distance like a watchful guardian. Seattle has a modern skyline of glass skyscrapers and lots of friendly charm.

Many parents feel great anxiety leaving their children in childcare services. Dropping off young children early in the morning and returning late in the afternoon instills a feeling of deep dread in many parents. Economic realities can force both parents to work and guilt over using childcare services adds to already overburdened lives.

Experts believe that high quality childcare services can enhance your child's readiness to enter the school system. Childcare services can play an important role helping your child develop skills which help them transition to school.

Many childcare services in Seattle will talk with children about school and encourage them to ask questions and speak out their worries and fears about going to a real school.

Childcare services in Seattle will also invite school students to visit their premises and speak with the young children about school. This is a great chance for young children, still in childcare services, to meet with and interact with 'grown up' kids. These meetings can remove some of the uncertainty about their future experiences

Quality childcare services will also show preschoolers videos about school and speak to them about upcoming experiences. High quality childcare services will go all out and create play areas that mimic a school setting. These play areas often include wearing uniforms, carrying lunch bags and lunch boxes and using chalkboards. This can be very exciting to a preschooler.

Childcare services may also participate in local school activities such as opening days, concerts and festivals. Attending these events builds a child's self-assurance and eliminates some of the uncertainty and imaginary worries about future events. Childcare services will incorporate school activities into the early childhood program allowing children to open drink bottle and carry lunch boxes.

High quality childcare services will assist your child prepare for school with understanding and focus on your child's present interests and abilities. They will sustain your child as he or she develops school readiness skills rather than turning the childcare services environment into a school setting.

Placing young children in childcare services is a difficult task for people at any level of income. Knowing you are enhancing your child's ability to adapt to, and be happy in, school can alleviate much of the guilt.

Auto and Truck Brokers in Phoenix: Why Use a Broker?

Auto and Truck Broker in Phoenix

Auto and truck brokers in Phoenix promise to save you time and money while making your purchase easy and enjoyable. Auto and truck brokers offer the lowest 'financing and lease' rates while providing the 'highest trade in value' for your car. They manage all the details so your time is not wasted.

Auto and truck brokers in Phoenix are licensed and bonded to assist buyers find the best automobile deals. They promise to offer prices lower than dealerships. They often have experience with car dealerships and know exactly how much a dealer can afford to charge a buyer based on several factors. These factors include how long the car has been on the lot, how many more cars are coming into the lot and how much other dealerships are charging for the same make and model.

Auto and truck brokers know the ins and outs of the car buying business. They know information the buyer could not possibly have at hand. Auto brokers have greater buying power. This ends up getting you a better deal.

Auto and truck brokers have access to more information than the typical car buyer does. Auto and truck brokers typically charge their clients a flat fee for their services. Auto and truck brokers have access to vehicles in different regions of the country. They may be able to purchase a vehicle farther away saving you money. Even if you don't save money, auto and truck brokers save you time and effort.

In order to find the best broker make sure the broker is licensed to sell cars in your state. Ask how he or she finds deals on cars. Be very blunt in asking about their background in the auto and truck brokerage business. Ask very clearly if they receive money back from dealerships when making deals. Having brokers make money from dealerships detracts from their ability to make impartial decisions on your behalf.

Auto and truck brokers work much like real estate agents. They find out what you are looking for and go to work negotiating the best deals on your behalf. Let a professional auto or truck broker go up against the professional car seller. Brokers have experience in this field. Let them act as your champion and hammer out all the details on your behalf.

Brokers typically deliver the car to your door, saving you time, effort and hassle. Using auto and truck brokers can be an incredible, luxurious, time and money saving decision. Just be sure to check the credentials of your broker. Don't be fooled into letting a lemon sell you a lemon.

Divorce & Mediation Services in New Orleans: Divorce and the Stages of Grief

divorce services new orleans

Divorce and mediation services in New Orleans can assist with divorces. Statistics reveal that almost 50% of marriages end in divorce. How do you know when you marriage is over?

Sometimes people divorce because they grow apart. After the kids grow up some couples find they have little in common. Younger people often find that because of their youth they had a great deal of personal development yet to accomplish. When this happens, the decision to divorce is often mutual. Divorce and mediation services in New Orleans can assist you after you have made the decision to part.

Other reasons for divorce are sexual incompatibility, endless fighting and lack of respect.

Once the need for a divorce has been decided, there is a great emotional price to pay. The emotional aspects of divorce has are very similar to grief experienced at death of a loved one. As with the stages of grief in death, the stages of grief in divorce do not move in a straight line. Going to a divorce and mediation service only reinforces the feeling of disbelief.

The first reaction to divorce is denial. The natural reaction is disbelief that this is happening. A host of emotions sweeps over you. It's common to feel you are going crazy. The denial is even worse when you did not want the divorce. Unfortunately, unless you face the reality of your divorce you will be stuck in this emotional reaction.

After denial comes shock. Shock is defined as a violent collision, impact or heavy blow. Shock can cause a variety of sensations such as confusion, numbness and short-term memory loss. There is an inability to think and perform both at home and at work. There is a sense of unreality.

Next comes anger and the anger can be intense. Divorce can invoke feelings of helplessness that fuel an individual's anger. With the rage comes a feeling that life itself has betrayed you. There are many fears behind the anger such as how to survive financially and emotionally.

Bargaining is a common stage in divorce. You can bargain with God or bargain with your spouse, but somehow, something can be done to stop the divorce. You are willing to do whatever it takes to save the marriage. You think you can stop the divorce and mediation services events that have begun to make the divorce all too real. Gradually you become aware that nothing is going to bring back your marriage.

After the anger and the bargaining comes a feeling of guilt. There is often a sense that you didn't do enough to prevent the separation. You may think about ways in which you could have made your partner happier.

After the guilt comes depression. Depression is a chronic, incapacitating sadness.

Eventually you experience acceptance and hope. Although life may have changed in ways never desired, it does go on and perhaps happiness will once again come your way. There is the old say, “one door never closes but another opens.”