Vacant Land Insurance Claims That Tell You Need Coverage

Of course the vacant property owner needs insurance coverage! The insurance companies will emphatically tell you about all the liability risk – general, as well as bodily harm and property damage perils that exist in an unoccupied home, building or lot. But don’t take a blanket statement about it at face value until you view for yourself some very real claims examples. For your information, the professional agents bring you these land scenarios!

Vacant Land

• A downtown area vacant lot owner had a protective chain-link gate constructed around the property. As time progressed, however, age and weather conditions took their toll on the encasement. The fence was not in the best of condition anymore when a passerby suffered an eye injury as a result of a protruding chain link. The lawsuit ended with the insurance policy taking the brunt of defense costs and out-of-court mediation that resulted in a $350,000 payout.

• A pedestrian slipped on the sidewalk that ran next to a vacant lot. Her injury consisted of a broken hip. The women alleged that the leaves that had fallen onto the sidewalk from the lot were the cause of her misfortune. An insurance claim settlement was reached at $200,000. This included the $16,000 reserved for defense expenses.

• A motorcycle rider was struck by a car. Following the auto accident, the responsible party filed a lawsuit against the neighboring vacant lot owner, alleging that the posted lot sign’s hid his view of traffic. It was determined that the signs had no effect on the cause of collision. Related expenses came to $7,500.

• A man riding a bike around a fenced-in vacant lot hurt himself on a broken part of the property fence that stuck out. After filing a suit, the man received $45,000 for damages. The policyholder’s insurance also paid $20,000 for legal expenses. Ultimately, however, an award appeal resolved the issue. Payout included $30,000 with defense expenses paid by the coverage.

• Sitting directly next to a public sports’ field was a vacant lot. Though sports fans parked their cars and trucks on the public property, an incident involving a dead branch of a tree located on the adjacent private vacant lot occurred. With three workers’ cars damaged, a claim was forthcoming that resulted in $12,000 compensation.

• Teenage juveniles unlawfully used their free time to smoke on a vacant lot, causing a brush fire. The fire soon swept across the property, torching neighboring homes. The vacant land owner was held partially liable and responsible for damages and property replacement cost totaling $6,500.

PRIME Insurance has won the admiration of the industry. We’ve been appointed to conduct direct business with more than 40 of the leading companies – big names such as ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. We offer all forms of nationwide coverage, including NJ, NY, PA cheap auto, low quote commercial umbrella, flood, vacant property, renters, homeowners, bonds, workers comp, life insurance and more. We invite you to experience the PRIME difference by visiting us online at https://www.primeins.com/ emailing us at PRIME@primeins.com; or by calling us at 732-886-5751.

Article Source: http://EzineArticles.com/expert/M_Wyzanski/2158115

 

Microprocessors and Microcontrollers

There is no strict border between microprocessors and microcontrollers because certain chips can access external code and/or data memory (microprocessor mode) and are equipped with particular peripheral components. Some microcontrollers have an internal RC oscillator and do not need an external component. However, an external quartz or ceramic resonator or RC network is frequently connected to the built-in, active element of the clock generator. Clock frequency varies from 32 kHz (extra low power) up to 75 MHz. Another auxiliary circuit generates the reset signal for an appropriate period after a supply is turned on. Watchdog circuits generate chip reset when a periodic retriggering signal does not come in time due to a program problem.

There are several modes of consumption reduction activated by program instructions. Complexity and structure of the interrupt system (total number of sources and their priority level selection), settings of level/edge sensitivity of external sources and events in internal (i.e., peripheral) sources, and handling of simultaneous interrupt events appear as some of the most important criteria of microcontroller taxonomy. Although 16- and 32-bit microcontrollers are engaged in special, demanding applications (servo-unit control), most applications employ 8-bit chips. Some microcontrollers can internally operate with a 16-bit or even 32-bit data only in fixed-point range-microcontrollers are not provided with floating point unit (FPU). New microcontroller families are built on RISC (Reduced Instruction Set) core executing due to pipelining one instruction per few clock cycles or even per each cycle. One can find further differences in addressing modes, number of direct accessible registers, and type of code memory (ranging from 1 to 128 KB) that are important from the view of firmware development. Flash memory enables quick and even in-system programming (ISP) using 3-5 wires, whereas classical EPROM makes chips more expensive due to windowed ceramic packaging. Some microcontrollers have built-in boot and debug capability to load code from a PC into the flash memory using UART (Universal Asynchronous Receiver/Transmitter) and RS-232C serial line. OTP (One Time Programmable) EPROM or ROM appear effective for large production series. Data EEPROM (from 64 B to 4 KB) for calibration constants, parameter tables, status storage, and passwords that can be written by firmware stand beside the standard SRAM (from 32 B to 4 KB).

The range of peripheral components is very wide. Every chip has bidirectional I/O (input/output) pins associated in 8-bit ports, but they often have an alternate function. Certain chips can set an input decision level (TTL, MOS, or Schmitt trigger) and pull-up or pull-down current sources. Output drivers vary in open collector or tri-state circuitry and maximal currents. At least one 8-bit timer/counter (usually provided with a prescaler) counts either external events.

(optional pulses from an incremental position sensor) or internal clocks, to measure time intervals, and periodically generates an interrupt or variable baud rate for serial communication. General purpose 16-bit counters and appropriate registers form either capture units to store the time of input transients or compare units that generate output transients as a stepper motor drive status or PWM (pulse width modulation) signal. A real-time counter (RTC) represents a special kind of counter that runs even in sleep mode. One or two asynchronous and optionally synchronous serial interfaces (UART/USART) communicate with a master computer while other serial interfaces like SPI, CAN, and I2C control other specific chips employed in the device or system. Almost every microcontroller family has members that are provided with an A/D converter and a multiplexer of single-ended inputs. Input range is usually unipolar and equal to supply voltage or rarely to the on-chip voltage reference. The conversion time is given by the successive approximation principle of ADC, and the effective number of bits (ENOB) usually does not reach the nominal resolution 8, 10, or 12 bits.

There are other special interface circuits, such as field programmable gate array (FPGA), that can be configured as an arbitrary digital circuit. Microcontroller firmware is usually programmed in an assembly language or in C language. Many software tools, including chip simulators, are available on websites of chip manufacturers or third-party companies free of charge. A professional integrated development environment and debugging hardware (in-circuit emulator) is more expensive (thousands of dollars). However, smart use of an inexpensive ROM simulator in a microprocessor system or a step-by-step development cycle using an ISP programmer of flash microcontroller can develop fairly complex applications.

The author also writes articles on “Innovative Electronics Ideas”
http://www.innovativeeideas.com/

Article Source: http://EzineArticles.com/expert/Rahul_R/2144624

 

Shopping 101: Tips When Buying Women’s Swimwear Online

Online shopping has been a trend for quite some time now and based on recent studies, it has been found out that women do online shopping more often than men. Women have a lot of stuff in mind to shop – from books to accessories to gadgets and most especially, to dresses. Since online shopping offers the best form of convenience, ladies regularly undergo this track. However, there are a lot of women shoppers who are aware of the risks that online shopping can bring especially now that it’s very easy for opportunists to rob your identity by means of identity theft tools. This leads to accessing personal information that can later get your credit card numbers.

Buying any items online entails research and enough knowledge in transacting. Though there are a lot of reputable and trusted online stores out there, there will still be some who will take away your money. The idea of buying swimwear online (according to them) is, quite simply, risky. Finding (and buying) swimwear in a conventional store is difficult enough. But when you can’t try and fit something that catches your fancy, you can end up wasting money.

If you want to buy swimwear online, below are some of the tips that can guide you in picking the best choices.

1. Do some research online of the product you’ll buy. Should you have no idea of the swimwear you want to buy, check out Instagram, YouTube and Pinterest. These social media networks are extremely helpful in finding the right choice for you. You can peek through the accounts of your favorite celebrities, models and brands to help you pick the right kind of swimwear. Once you have a picture of the exact item you want to buy, you can scout websites for availability, colors, style and price.

2. Try to check available sizes. Be aware that online merchants and brands have different size runs. As such, make sure that you check each designer’s sizing chart. Also, remember to check which sizing the online merchant is using. Finally, if you are unsure about which size to get, do not hesitate to contact customer service. They will be more than happy to help you find the right size for the swimsuit you are eyeing. If you feel otherwise, you will end up wasting your money for an item that will never benefit you. This is something you have to veer away from doing.

3. Read the online store’s return policy. Every online store has a unique set of return policies. Some do not accept returns or exchanges. With the latter, you have to be sure with your choice. Otherwise, you will get stuck with swimwear you cannot use. If the store does accept returns, read the fine print. For example, some stores will only accept returns if the hygiene strip is still left intact. Other stores might accept your merchandise only if the item was handled improperly in the stock room. It may seem unusual but a simple thing like reading the policies can keep you away from unnecessary spending habits.

4. Consider mix and match. Buying your swimwear or any clothing online or from your favorite retail shop can be a challenge for many women simply because most people are not perfectly proportioned. Most find this true especially when it comes to curvy or plus size fashion finds. One of the great ways to fix this dilemma is to buy a counterpart. You can mix and match different pieces in order to create your own unique look. Show your creativity by picking stylish and trendy match ups that will uplift your confidence when you are wearing them.

Visit Blue Ink today and buy swimwear online.

Article Source: http://EzineArticles.com/expert/William_Shelton/1876391

 

Receiving: Can Toxic Shame Stop Someone From Being Able To Receive?

While some people can give things to others and end up receiving things from them, there are others who don’t experience life in this way. What they can find is that although they go out of their own way to help the people around them, rarely does anything come back to them.

One-Sided

One could be only too happy to do things for their friends and family, but this is generally going to be in vain. This is not to say that they will only help them because they expect something back though.

Yet even if they are this way, they are going to have their own needs that need to be fulfilled. So, if their needs are not being met, it is naturally going to cause them to suffer, and this could end up being something that will consume their life.

One Focus

Instead of being able to carry on with their life and being able to continue to give, they could end up spending a lot of time thinking about when their life will change. They could end up feeling angry, and even experience resentment towards the people in their life.

Even so, they could keep what is taking place to themselves and act as though everything is fine. The people around them will then have no reason to change their behaviour, and one’s life could end up getting even worse.

One Direction

Through being this way, it is not going to be possible for anyone to call them self-centred. What they might end up saying is that one spends too much time thinking about others and not enough time thinking about themselves.

At the same time, if one is always doing things for others and these people don’t do a lot for them, this could be something that they rarely hear. The reason for this is that these people are likely to be caught up with their own needs.

Their Purpose

These people could see them as someone who is there to meet their needs, and it will then be normal for these people to take advantage of them. This can then show that they lack boundaries, and this causes them to see people as an extension of themselves.

When someone does this, it doesn’t mean that they will see other people and say to themselves that they are extension of them. They are likely to just see another person and to treat them in this way.

The Difference

Through behaving in this way, they are not going to see others as individuals who have their own needs and feelings, for instance. They will be seen as people who are there to meet their own needs.

There is then not going to be their own self and self that other people have, there will only be their own self and everyone else’s self will be practically invisible. But even if some of the people around them were to tell them to focus on their own needs, it might not have an effect on them.

Resistance

If one was to think about getting their needs met, they may start to feel uncomfortable. This could then be a time when they will think about how they don’t deserve to have them met.

As a result of this, one will start to see why they behave as they do, and they might then realise that they have a choice. One is then going to be in a position where they can change their circumstances.

The Same Story

However, one could find that they feel as though they don’t deserve to have their needs met and this could be as far as it will go. It is then not going to be something they can change; it will be seen as something they have to put up with.

The only thing they will be able to do is to carry on with their life, and they won’t be able to stop the pain they are experiencing. It will then be necessary for them to see that they don’t deserve to experience life in this way.

From Within

And while other people will be able to tell them this, this won’t be enough for them to change their life; the only way it will change is if they come to understand this for themselves. Once they get to the point where they are no longer willing to tolerate this, they will be able to do something about it.

The part of them that is willing to put up with it won’t be as strong as the part of them that isn’t, and this will get the ball moving, so to speak. During this time, they might take a deeper look into why they feel this way.

Way Back

If this is how they have experienced life for as long as they can remember, they might end up looking into what took place during their early years. There is also the chance that they believe this was a time when they were not treated with love and care.

Perhaps this was a time when they were abused and/or neglected, and this would have meant that their needs were rarely, if ever, met. This would then have set them up to believe that their needs were something to be ashamed of and that they were not important.

A Natural Response

Due to what took place when they were younger, one might gradually come to see that it is not much of surprise that they expedience life in this way. Ultimately, they didn’t receive what they needed in order to develop in the right way.

Through being treated in this way, they probably would have ended up experiencing toxic shame. This would have caused them to feel worthless and as though there was something inherently wrong with them.

Awareness

One has needs and this is part of being human; there is no reason for them to feel ashamed and as though they don’t deserve to have them met. But as they do feel this way, it will be vital for them to do something about it.

They might need to reach out for external support, and this can be provided by a therapist.

Prolific writer, author, and coach, Oliver JR Cooper, hails from England. His insightful commentary and analysis covers all aspects of human transformation, including love, partnership, self-love, and inner awareness. With over one thousand two hundred in-depth articles highlighting human psychology and behaviour, Oliver offers hope along with his sound advice. His current projects include ‘A Dialogue With The Heart’ and ‘Communication Made Easy’.

To find out more go to – http://www.oliverjrcooper.co.uk/

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Article Source: http://EzineArticles.com/expert/Oliver_JR_Cooper/818466

 

I Am Craving for Knowledge

I am nothing but disabled without awareness of surroundings
It’s amazing to know everything
On the other hand, lack of knowledge is crippling
I do not crave for any template for success
But I crave when somebody who is thirsty does not get adequate food to quench his stomach
But I crave when people are raging a revolution only with the ill intention to hurt others
But I crave when a certain culture mirrors its notions and ideas on gathering reposition
Yes, I crave when anger is uncontrollable even if that means controlling it just for a couple of minutes
Yes, I crave when somebody discourages a needed conflict simply based on own vested interests
I crave when a doted mother is crying for the welfare of her child
I crave when a brave soldier unfortunately has to die in army tank
I crave when I see a person with no such values or proper sense of discipline questions about principles of others
I crave when I see a teacher propagating about wrong unethical religious principles to an innocent child
I crave when there a person shows lack of culture in the name of being liberal or open-minded
I crave when patents do not get cash
I crave when elephants cured by nature tend to disvalue needed cautioned principles
I crave when some professor gives up saying that he won’t be able to make a hero out of a child
I crave when unemployment unfortunately begets blind obsession to worship
I crave when unethical feelings of terrorism overpowers national interest
I crave when I see people shamelessly discussing faulty values to justify their belongingness
I crave when a disabled person has to earn his income through immense hardship given lack of opportunities
I crave when a so-called truth-seeker does not live up to his words
I crave when I see a person known for his integrity nationally forgets everything & takes bribe
I crave when key figures of national politics place their self-governed interests over the interest of the country
I crave when I see politicians have snooped down so low that there is no difference between them and dogs
I crave when I see a CEO refuses to comprehend the values and ethics as followed by the employee & employers of the company
I crave when I see somebody who is able yet does not want to face his problems
I crave when I see that the prime minister even after being aware of the issues troubling his nation do not come forward to solve the problems with needed literal information
I crave when I see people not considering dog bites as something really temporary
I don’t want to join in for the so-called great results underground
I am always into those situations where when somebody comes before you, you make time to meet him
I am calling a hunger strike if I see faulty principles interfering with national interest
I am the crave in times of airstrikes that force people to get down
I am always the crave when nature goes bonkers with no understanding of wellbeing of humanity
I am the crave when sun refuses to radiate in simplicity
I am the crave when earth does not feel responsible enough to take care of its children
I am never the crave for the good of the torturous crimes carried by the intelligent bureau
I am never the crave when they fail to submit report to court
I am the crave when I see a doctor squeezes money from patients in the name of a welfare society
I am the crave when I see a person with no understanding of the values and ideals of the greater sense of the multi-cultural diversity
I am the hunger when I come across shallow fanatic discussions on any ideal in the society
I am the very crave for the worker who is deprived of his deserved daily wage just because he didn’t pay heed to notional principles
I am the crave when a flight is deliberately delayed in the wait of some reputed citizen who isn’t in governance
I am the hunger when I see so many individuals across so many nations are in distress
Yes, I have still not grown up as a man of absolute wisdom yet I am constantly monitoring my own thoughts round the clock to improve my approach and attitude towards life.

Writing is a habit of discipline. My website http://www.gktecvisionpremium.com has a variety of articles written and free to read. These articles are meant to bring clarity of existence and theories of great literature. Those who are further interested can subscribe to the newsletter exclusive to the topics of Finance and Spirituality with very deep insights. Our company’s press release: http://webwire.com/ViewPressRel.asp?aId=207335

Article Source: http://EzineArticles.com/expert/Karnati_Kiran/2376288