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Thursday, January 27, 2011
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Wednesday, January 26, 2011
Are you getting ready to buy a new house? - What you need to know
If so, it’s a very exciting time — and you’re not alone. With home prices competitive and interest rates low, many people are considering the real estate market. Maybe you’re a first-time home buyer, or looking to purchase a second home. Perhaps you’re an empty nester looking for a cozy smaller property.
As you look at potential properties and start to calculate the overall price of ownership, it’s important to factor in the potential insurance costs. “When people look at homes, they tend to focus on factors such as property taxes, neighborhoods, school districts, and available recreational and cultural opportunities,” said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the Insurance Information Institute (I.I.I.). Insurance is an often overlooked item.
What to ask When looking at prospective new homes, the I.I.I. suggests asking the following questions:
How far is the home from the fire department? Properties located near professional, permanently staffed fire departments generally cost less to insure.
What is the condition of the plumbing and electrical systems? Age and lack of appropriate maintenance can affect the safety of plumbing and electrical systems so older homes may cost more to insure.
Is the home vulnerable to wind damage, earthquake, flooding? Properties vulnerable to wind, flood or earthquake damage will generally cost more to insure and may require separate policies to provide specific coverage.
Is the house well-built and well-maintained? Consider hiring a licensed home inspector to determine the general condition of the property. Routine maintenance will be your responsibility as a homeowner.
Check loss/claims history report. Ask the current owner for a copy of an insurance loss history report, such as a Comprehensive Loss Underwriting Exchange (C.L.U.E.) report from ChoicePoint or an A-PLUS report from ISO, a leading source of information about property/casualty insurance. This will provide you with a record of insurance claims for the last five years and can give you some insight with regard to past problems in the home and whether previous damage, if any, was properly repaired.
Where to get informationThe I.I.I. has created a Home Buyers Insurance Checklist. Find out what to do before you buy a house and the factors to consider when looking at homes and placing a bid. Along with a knowledgeable home inspector, I can be helpful in answering some of your questions and providing information so that you can decide how to insure your new home. Don’t wait until the last minute to think about insurance.
10-4 good buddy
Semis. 18-wheelers. Extra-long buses. RVs and towed trailers. From country roads to city streets, big rigs of all kinds are everywhere. If you’re not aware of their limitations, sharing the road with these large vehicles can be dangerous. For example, trucks don’t have the same stop-and-go capacity as passenger cars. And, considering their height and weight, they can inflict serious damage to smaller vehicles and their passengers — not to mention pedestrians. Here are some driving tips that may help keep you and your passengers safe when you’re sharing the road with a big rig:
Be aware of “no zones” — Large trucks have blind spots around the front, back and sides of the vehicle. Try and stay out of these areas because the driver can’t see you. Take away: If you can’t see the driver in the truck’s mirror, the driver can’t see you.
Passing rules — Before making a move, make sure you can see the front of the truck in your rear-view mirror. Don’t flash your lights; it’s not a universal signal and may only serve to confuse. Take away: Always signal your intent, pass on the left and pass quickly.
Changing lanes — Large trucks take longer to stop than a car traveling at the same speed so they need greater braking distance. Take away: Don’t pull in front of a large truck and suddenly slow down or stop. The trucker may not be able to stop quickly enough to avoid crashing into you.
Avoid a “squeeze play” — In order to negotiate a right turn, particularly in urban areas, truck drivers sometimes swing wide to the left. They can’t see directly behind or beside their vehicle so don’t create a “squeeze” by cutting between the truck and the curb. Take away: Pay attention to truck signals and give them plenty of room to maneuver.
Avoid a “squeeze play” — In order to negotiate a right turn, particularly in urban areas, truck drivers sometimes swing wide to the left. They can’t see directly behind or beside their vehicle so don’t create a “squeeze” by cutting between the truck and the curb. Take away: Pay attention to truck signals and give them plenty of room to maneuver.
Be extra cautious As you share the roads and highways with trucks, buses and large hauling vehicles, be attentive and stay focused. It may help you share the road safely.
Is your IRA working for you?
Recent studies indicate that over the past few years only a fraction of investors who hold traditional IRAs made annual contributions, and only about one in 14 took full advantage and maxed-out their contributions. If you have an IRA, I ask you this: Is your IRA working as hard as it could for you? Here are some tips to consider.
Did you contribute?If not, you have until April 15, 2011, to make IRA contributions for the 2010 tax year. See accompanying chart for contribution information.
Are your beneficiary designations up to date?If something happens to you while you still have assets in your IRA, your beneficiary designation form will determine who receives those assets. Make sure your forms are up to date and filed with your IRA custodian.
Have you rolled everything over?Today many of us change jobs frequently, so it’s not unusual to have several employer-sponsored retirement plans. While there may be some advantages to keeping those accounts open, you can simplify your life by rolling them all into a single IRA. You may be able to preserve tax-deferred features, streamline your finances, save money on annual fees and organize your record keeping. I can give you additional information on rollovers.
One easy way to save for retirement is to contribute to an IRA — a traditional or a Roth. So if you don’t already have an IRA, now may be a good time to establish one. Which type may be suitable for you depends upon several factors, such as your age, income and whether you have an employer-sponsored plan at work.
Did you contribute?If not, you have until April 15, 2011, to make IRA contributions for the 2010 tax year. See accompanying chart for contribution information.
Are your beneficiary designations up to date?If something happens to you while you still have assets in your IRA, your beneficiary designation form will determine who receives those assets. Make sure your forms are up to date and filed with your IRA custodian.
Have you rolled everything over?Today many of us change jobs frequently, so it’s not unusual to have several employer-sponsored retirement plans. While there may be some advantages to keeping those accounts open, you can simplify your life by rolling them all into a single IRA. You may be able to preserve tax-deferred features, streamline your finances, save money on annual fees and organize your record keeping. I can give you additional information on rollovers.
One easy way to save for retirement is to contribute to an IRA — a traditional or a Roth. So if you don’t already have an IRA, now may be a good time to establish one. Which type may be suitable for you depends upon several factors, such as your age, income and whether you have an employer-sponsored plan at work.
Annuities issued by Farmers New World Life Insurance Company,Mercer Island, WA 98040.
Golf - Farmers Insurance Open
A lot of interest in how Tiger comes back this year and whilst I think his tee to green issues are almost fixed, its his putting that remains the big question mark. Until such time as I am completely satisfied that his touch has returned will be staying away from him.
This field is weaker than normal with all the top players preferring to remain in the desert. In fact as mentioned on my twitter last week, am strongly considering switching permanently to the Euro tour as the players at the top end are better and the courses have more nuances to them making it easier to find players who are suited.
Win
Bill Haas 1.3 units @ $40 (betfair)
Almost the form American player of the last 6-12 months and has commenced 2011 strongly with two top 10 from his two starts. Considering he has only really taken off the last year or so his record at Torrey Pines long term is good. 4 top 30s from last 6 appearances here (highest T11 last year) with only one missed cut. Has an accurate and long game which will suit here. Big odds for a player in the form he is.
Charles Howell III 0.7 units @ $34 (betfair)
Getting back to his best and this courses premium on accuracy and GIR definitely suits him. Last 6 appearances here have yielded T9, T42, T13, 2nd, T39 and 2nd so obviously loves it here. Not someone you would want to be having your last on but in this weaker field must be rated a big hope.
Top 25
Kevin Sutherland 2 units @ $4.00 (centrebet)
Ultra consistent, straight hitter who usually plays his best golf early in the season. Being from California is used to these greens and his record at Torrey Pines is good with 4 top 20s in his last six appearances here. Probably should have finished closer last week but for a last round 71 so current form is acceptable.
This field is weaker than normal with all the top players preferring to remain in the desert. In fact as mentioned on my twitter last week, am strongly considering switching permanently to the Euro tour as the players at the top end are better and the courses have more nuances to them making it easier to find players who are suited.
Win
Bill Haas 1.3 units @ $40 (betfair)
Almost the form American player of the last 6-12 months and has commenced 2011 strongly with two top 10 from his two starts. Considering he has only really taken off the last year or so his record at Torrey Pines long term is good. 4 top 30s from last 6 appearances here (highest T11 last year) with only one missed cut. Has an accurate and long game which will suit here. Big odds for a player in the form he is.
Charles Howell III 0.7 units @ $34 (betfair)
Getting back to his best and this courses premium on accuracy and GIR definitely suits him. Last 6 appearances here have yielded T9, T42, T13, 2nd, T39 and 2nd so obviously loves it here. Not someone you would want to be having your last on but in this weaker field must be rated a big hope.
Top 25
Kevin Sutherland 2 units @ $4.00 (centrebet)
Ultra consistent, straight hitter who usually plays his best golf early in the season. Being from California is used to these greens and his record at Torrey Pines is good with 4 top 20s in his last six appearances here. Probably should have finished closer last week but for a last round 71 so current form is acceptable.
Tuesday, January 25, 2011
JNTU HYD Results for B.Tech 3-1 (R07,R05,RR,NR) Regular/Supple are Released
JNTU HYD Results for B.Tech 3-1 (R07,R05,RR,NR) Regular/Supple are Released
Check it out at http://jntu.ac.in/results/htno.php?ecode=1019
Check it out at http://jntu.ac.in/results/htno.php?ecode=1019
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Friday, January 21, 2011
Races 22/1/11
Finally able to bet in Melbourne after what has seemed like months of wet tracks, then dry tracks and then wet tracks.
Impossible to line up form when the weather has been like it has.
Anyway best value selections for the day.
Flem : r3 n8 Assertion
Flem : r5 n5 Fordee
Flem : r7 n10 Cascabel
Best lays
Flem : r4 n8 Cabeza
Flem : r6 n3 Cardinal Virtue
Impossible to line up form when the weather has been like it has.
Anyway best value selections for the day.
Flem : r3 n8 Assertion
Flem : r5 n5 Fordee
Flem : r7 n10 Cascabel
Best lays
Flem : r4 n8 Cabeza
Flem : r6 n3 Cardinal Virtue
Wednesday, January 12, 2011
Golf - Sony Open
Very difficult this week with a lot of players first up. Weather is forecast for rain and lots of it so am looking for experienced players with a solid temperament as against the young up and comers who may get frustrated with what looks like being a stop/start and long event.
Not even going to try the Win only market as nothing really jumps out to me as value although if you twisted my arm I would plump for Howell, Stricker & Els in that order.
Top 25
David Duval 1 unit @ $8.00, Sportsbet
Finally some light at the end of the tunnel for David last year as he posted some much improved performances to win his card for this year. Has reasonable figures for this and seems to play well on the Bermuda greens which will be an advantage.
Joe Durant, 1 unit @ $6.00, Sportsbet
Accurate hitter and good putter which will be needed this week. Would never back him to win only but as a top 25er seems pretty good value here
Fred Funk, 1 unit @ $11, Sportsbet
Huge odds for a guy who is a good putter and plays reasonably well in Hawaii. Hasn't missed a cut on the Seniors tour for 4 years, is extremely consistent and very experienced.
Best Australian
Nathan Green, 1 unit @ $21, Sportsbet
Since 2006, has had a 5th, T34, MC, T12 & T8 here. That's a pretty good record in my book. Also plays well in Florida. Its a fairly competitive market but you have to be at the $21 for a guy with that sort of record !!!!
Lays Top 10
Hopefully can get some money out of the younger players who may blow up this week. All to lose 1 unit.
Jason Day @ $4.50
Camilo Villegas @ $6.00
Bo Van Pelt @ $6.00
I have others in the system and will update as they get matched.
Not even going to try the Win only market as nothing really jumps out to me as value although if you twisted my arm I would plump for Howell, Stricker & Els in that order.
Top 25
David Duval 1 unit @ $8.00, Sportsbet
Finally some light at the end of the tunnel for David last year as he posted some much improved performances to win his card for this year. Has reasonable figures for this and seems to play well on the Bermuda greens which will be an advantage.
Joe Durant, 1 unit @ $6.00, Sportsbet
Accurate hitter and good putter which will be needed this week. Would never back him to win only but as a top 25er seems pretty good value here
Fred Funk, 1 unit @ $11, Sportsbet
Huge odds for a guy who is a good putter and plays reasonably well in Hawaii. Hasn't missed a cut on the Seniors tour for 4 years, is extremely consistent and very experienced.
Best Australian
Nathan Green, 1 unit @ $21, Sportsbet
Since 2006, has had a 5th, T34, MC, T12 & T8 here. That's a pretty good record in my book. Also plays well in Florida. Its a fairly competitive market but you have to be at the $21 for a guy with that sort of record !!!!
Lays Top 10
Hopefully can get some money out of the younger players who may blow up this week. All to lose 1 unit.
Jason Day @ $4.50
Camilo Villegas @ $6.00
Bo Van Pelt @ $6.00
I have others in the system and will update as they get matched.
Sunday, January 9, 2011
All About Insurance: Why Should You Get Life Insurance?
Why Should You Get Life Insurance?
Everything in life is uncertain that people should prepare for any eventuality. In fact, the only things certain in life are taxes and death. One or both of these things are bound to happen at some point in a persons life.
Everything in life is uncertain that people should prepare for any eventuality. In fact, the only things certain in life are taxes and death. One or both of these things are bound to happen at some point in a persons life.
All About Insurance: Ensure your Life Now
All About Insurance: Ensure your Life Now
Based on Wikipedia: Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.
According to the video below: Life insurance is a type of insurance that pays a sum of money to the beneficiary of the insured person only if the premiums of insured are in progress. It works like all other insurance policies. In life insurance insured person ensures his life by paying a small amount of premium.
Which one is correct between the lie insurance definition...???
Based on Wikipedia: Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.
According to the video below: Life insurance is a type of insurance that pays a sum of money to the beneficiary of the insured person only if the premiums of insured are in progress. It works like all other insurance policies. In life insurance insured person ensures his life by paying a small amount of premium.
Which one is correct between the lie insurance definition...???
Wednesday, January 5, 2011
Golf - Tournament of Champions
First tournament of the year and hopefully we can kick off with a winner. Going to get involved on the lay side in the top 10 finishes this season.
Course is wide open that definitely suits the long hitters. Players from Sth Africa and Australia seem to have some success as they have been playing during December whilst most of the US and Euro players are coming off a 2 month spell. Weather can get nasty in Hawaii but the forecast seems relatively benign. Putting on the big greens is also a big advantage.
Dustin Johnson 2 units to win @ $13 (betfair)
Long hitter who loves these sorts of courses. Has a great record at Pebble Beach plus was in contention at both the Brittish Open & US PGA. To be honest, I hope it does blow a bit as it seems he likes it.
Jonathan Byrd, 1 unit to win @ $70 (betfair)
Three starts here have yielded a 6th, 10th & a 13th. Last year wasn't his greatest but has a lot of ability and is by no means a short hitter.
Adam Scott, 0.8 units to win @ $20 (betfair)
Coming off a good last 3 months and seems to be getting back to his best. Putting is still the big query but IMO is the best of the Southern hemisphere players lining up this week.
Bill Haas, 0.8 units to win @ $50 (betfair)
Just seems over the odds to me for a player who hits the ball long and who is a good putter. Coming off a career best year and $51 is just too big a price.
Top 10 finish Lays
Ben Crane to lose 2 units @ $3.45
Heath Slocum to lose 1 unit @ $6.40
Francisco Molinari to lose 1.5 units @ $2.60
Jim Furyk to lose 1.3 units @ $1.85
Camilo Vilegas to lose 1.2 units @ $3.20
Failed to match : Hunter Mahan
Update : That damm eagle putt by Garrrigus on the last has taken some of the value away from doing some business back on Byrd. Am still trying anyway.
Update 2 : Have laid Byrd @ $3.80 & have greened up on all other runners in the win market for a locked in profit of 3.5 units. Will probably do some in running business @ $2.00 or shorter if I get the chance but happy with position for now.
Update 3 : (Byrd on 7th hole) - Have got another 5 units out of Byrd @ $1.91. Basically on the winner market if Byrd wins, profit = 36.5 units. If he loses, profit will be 8.5 units.
That will do me I think. Can now relax and cheer him home.
Fantastic result to kick 2011 off. Lets hope the rest of the year follows in the same vein.
In the top 10 market, got collects on all except on Furyk who finished tied 10th so it was a reduced dividend. The Villegas bet was voided as Betfair stipulates a player must play at least 54 holes (a rule I was unaware of) but given my luck this week I'm not going to complain. I'm going to persist with this bet type as I reckon it could be a real earner for me.
Course is wide open that definitely suits the long hitters. Players from Sth Africa and Australia seem to have some success as they have been playing during December whilst most of the US and Euro players are coming off a 2 month spell. Weather can get nasty in Hawaii but the forecast seems relatively benign. Putting on the big greens is also a big advantage.
Dustin Johnson 2 units to win @ $13 (betfair)
Long hitter who loves these sorts of courses. Has a great record at Pebble Beach plus was in contention at both the Brittish Open & US PGA. To be honest, I hope it does blow a bit as it seems he likes it.
Jonathan Byrd, 1 unit to win @ $70 (betfair)
Three starts here have yielded a 6th, 10th & a 13th. Last year wasn't his greatest but has a lot of ability and is by no means a short hitter.
Adam Scott, 0.8 units to win @ $20 (betfair)
Coming off a good last 3 months and seems to be getting back to his best. Putting is still the big query but IMO is the best of the Southern hemisphere players lining up this week.
Bill Haas, 0.8 units to win @ $50 (betfair)
Just seems over the odds to me for a player who hits the ball long and who is a good putter. Coming off a career best year and $51 is just too big a price.
Top 10 finish Lays
Ben Crane to lose 2 units @ $3.45
Heath Slocum to lose 1 unit @ $6.40
Francisco Molinari to lose 1.5 units @ $2.60
Jim Furyk to lose 1.3 units @ $1.85
Camilo Vilegas to lose 1.2 units @ $3.20
Failed to match : Hunter Mahan
Update : That damm eagle putt by Garrrigus on the last has taken some of the value away from doing some business back on Byrd. Am still trying anyway.
Update 2 : Have laid Byrd @ $3.80 & have greened up on all other runners in the win market for a locked in profit of 3.5 units. Will probably do some in running business @ $2.00 or shorter if I get the chance but happy with position for now.
Update 3 : (Byrd on 7th hole) - Have got another 5 units out of Byrd @ $1.91. Basically on the winner market if Byrd wins, profit = 36.5 units. If he loses, profit will be 8.5 units.
That will do me I think. Can now relax and cheer him home.
Fantastic result to kick 2011 off. Lets hope the rest of the year follows in the same vein.
In the top 10 market, got collects on all except on Furyk who finished tied 10th so it was a reduced dividend. The Villegas bet was voided as Betfair stipulates a player must play at least 54 holes (a rule I was unaware of) but given my luck this week I'm not going to complain. I'm going to persist with this bet type as I reckon it could be a real earner for me.