Car Accident Effects On Insurance Be Careful}

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Car Accident Effects On Insurance- Be Careful



The insurance premium that the person pays depends on many factors such as one’s previous driving records, age, type of vehicle, distance traveled per year, and other risk factors. The insurance premium depends directly upon the risk factor. So, to avoid this one should be aware of the car accident effects on insurance. Following are the factors which can provide benefit and help you paying less insurance premium:-

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The first one is “driving violations and accidents”. Insurance companies always verify your past driving records. If there are visible number of accidents and negligence, then the insurance companies can punish you for many years with bad records of driving. Hence, the more you were involved in accidents previously, the higher will be the insurance premium. Second is “the type of vehicle”. Owners having expensive car get insurance with better coverage than that of the inexpensive models. Third is “Occupation. Don’t worry; they don’t check your salary. The insurance premium depends on the involvement of the vehicle in your job. For example, if you are a salesman, then your vehicle will cover more distance and hence you’ll have to give higher insurance price.

Fourth one is “credit rating”. Your credit rate should be better. This will help you rescue from the higher insurance premiums. It is because people with poor credit ratings are mistrusted. Fourth one is “geography”. Living in a crowded area makes it accident prone and hence increases the risk factor thereby increasing the premium. Thefts and crime rate in the city also affects the car insurance. Education also plays important role in lowering of premiums. Owners with higher qualifications are charged less insurance rates.

Drivers below the age of 25 are charged higher premiums because they are prone to higher risk factors. Female drivers are considered to be safer than the male drivers and hence they get lower insurance rates. The factors like age, marital status, gender can’t be changed. These also surely affect the car insurance prices. Car accident effects on insurance are negative. So, drive safely. Also remember that there are different insurance companies providing different offers. You have to choose the best one.

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Car Accident Effects On Insurance- Be Careful


Award winning singer George Michael cautioned after caught with drugs in London public toilet
Award winning singer George Michael cautioned after caught with drugs in London public toilet

Sunday, September 21, 2008

British Grammy Award winning singer George Michael has been cautioned over drug use. The 45 year old singer was caught with class A and C drugs in the Hampstead Heath area of London. He was arrested on 19 September after being caught in the public toilet. British Home Office Minister Tony McNulty said drug laws needed to be “flexible”. He stated he did not know the details of the case when questioned why Michael was given a mild sentence.

Michael was banned from driving for two years after being caught slumped behind the wheel of his car twice. He pleaded guilty to driving while unfit through drugs. On May 15, 2006 Michael was found semi-conscious apparently snoozing at traffic lights while in his Range Rover. In the early hours of October 1, 2006, Michael was found unconscious in his Mercedes-Benz S-Class car, causing an obstruction.

Are pop stars given an easy ride for drug use/abuse?
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Michael found his fame as front man of pop band Wham!. He won two Grammy awards as well as 12 British number one singles. Michael announced that he would be retiring from touring after completing his first tour in 15 years last month. He announced that he would release a Christmas single in December.

Honda Civic tops Canada’s list of most stolen cars
Honda Civic tops Canada’s list of most stolen cars

Wednesday, November 22, 2006

The 1999 and 2000 year model Honda Civic SiR tops the list of Canada’s most stolen cars.

Consumer popularity also assures the cars will be popular with thieves. Its the second year in a row the Honda SiR has topped the list.

Rick Dubin Vice President of Investigations for the Insurance Bureau of Canada said “The Civics are easy targets.”

Dubin said that once stolen, the cars are most often sold to “chop shops” where thieves completely dismantle the vehicles. The automobile’s individual parts are worth more than the entire car.

The sheer numbers of the cars and their lack of theft deterrent systems make them thieves’ preferred choices.

1999 and 2000 Honda Civics do not come with an electronic immobilizer, however all Hondas from 2001 and onward are equipped with an immobilizer. Immobilizers will be mandatory on all new cars sold beginning September 2007. The devices enable an engine computer to recognize an electronic code in the key. If the code in the key and the engine don’t match exactly, the vehicle can’t be started.

In third place was the 2004 Subaru Impreza, while the 1999 Acura Integra came in fourth, with the 1994 Honda Civic rounding out the top five.

In sixth place, the 1998 Acura Integra, and the 1993 Dodge Shadow completed seventh.

When asked why early model vehicles are selected, he said that, “auto thieves continue to find it easier to steal older vehicles lacking an IBC-approved immobilizer. We’ve seen this trend developing for several years, and these results confirm it.”

Another Honda automobile, the 1996 year model Civic filled eighth place, with the 2000 German Audi TT Quattro in ninth.

The American 1996 Chevrolet/GMC Blazer rounded out the top ten.

None of the above cars had an electronic immobilizer.

How To Find Peace And Happiness}

How to Find Peace and Happiness



How to Find Peace and Happiness

You’ll have to lift your head from what you’re doing to deal with those around you in the midweek. It’s not just facts and figures, you need financial planning and a bit of vision, so seek them out! The business of business or the trial of traffic could give you a headache in the midweek. wednesday’s sunrise will bring a development or an outburst of emotion with professional dealings. The midweek will test your mettle and you may have to work to avoid a clash of some kind, career wise or with the public. You may need to negotiate a position or resolve an old concern. Sunday is the day to do everything together in a soppy and romantic fashion. That will leave the weekend free to get out there and have a little Bob Newhart style fun!.

Love and Other Four-Letter Words

Finance is on the table and there’ll be heated discussion with a partner or close associate. You may deal with people over small financial matters. You’ll need to move in or around the fussiness or feistiness of others, as you get on with business or pleasure. There’ll be dealings with minor fiscal officials. There’ll be an increase with communications or activity in career or professional dealings Sudden change may affect close associates or home life. Time out for a favourite indulgence with your loved one will be the perfect cure. In the midweek, you’ll be moody and inclined towards a lustful adventure in the boudoir with your loved one. Swap a confidence or two. Work or health will feature and it’s the details that count. It’s Water Bearers on the move! Apply a cold compress and hunker down with your loved one on Sunday. You may have to negotiate. You may head ‘up market’ or for a swanky evening out.

Rather adopt a scorched earth policy than give an inch?

Travel or communications will get the weeks underway at pace. Get into the groove with your loved one at the start, doing the things you both enjoy and adding a touch of romance. Everything is a little topsy-turvy in the midweek and you might not remember who you’re seeing and why or when you’re seeing them. The weekend’s a passion pit. Be sure you know where you stand. There may just be good feelings and good food with like-minded people. Watch communication difficulties from fridays. Recline.

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Impact Of Gst On E Commerce}

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Impact of GST on e-commerce


Rupal Agarwal

Let us look at some of the crucial features and implications of GST affecting the e-commerce sector.

Introduction of TCS (Tax Collected at Source)

With the rolling out of GST, e-commerce retailers will have to collect a TCS at the rate of 2% per transaction from the payments to be made to the vendors and suppliers of goods sold to customers. The TCS will not be applicable to aggregators like OLA, Uber, and MakeMyTrip etc. TCS will also not be applicable on goods which are returned by customers as there is no sale. Implementation of TCS will have implications for both the e-commerce entities and their suppliers.

1. Additional compliance

With TCS, now e-commerce entities will have to furnish returns and details (on a monthly basis) of all the TCS collected from the suppliers by the 10th of next month. This has to be done in the prescribed formats within the prescribed deadline. For example, the amount of TCS collected during the month of August will necessitate that the returns for the same be filed by 10th September. Similarly, the suppliers will also have to furnish their TCS details. Eventually, records received from both the parties will be reconciled by the tax authorities.

2. Working capital factor

Small scale vendors are allaying fears that with TCS in effect, a substantial amount of working capital would get blocked for a period of 20-50 days which could affect the inventory levels maintained by them and their spending on revenue expenditure.

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3. No impact on price

TCS will have no effect on the price of the goods sold because suppliers can offset this TCS deducted by the e-commerce entities against the tax payable by suppliers in the form of tax credit.

Compulsory registration

Now, every supplier or vendor of goods operating via the e-commerce route will have to compulsorily register with concerned authorities. The minimum threshold limit will not be applicable in this case.

There could be perceptive barriers about this registration process but it appears to have many long term benefits. It gives the small and medium businesses an opportunity to be a part of the rapidly growing organized retail sector and make their existence matter in policy-making (to avail tax benefits, credit schemes etc).

Standardization of taxes

In the present indirect tax regime, the VAT charged on same goods varies from state to state. Similarly, the octroi tax rates also vary. The resultant effect is disparities in the price of the same goods across the country. GST aims to do away with these variations by adopting a One India One Tax policy. GST aims to address these inter-state variations in the state level taxes (as there will be a standard taxation structure for indirect taxes). This would remove or at least narrow down the disparities in the selling prices of same goods across the country.

Interstate movement of goods

Currently, the goods passing from one state to another are subject to several taxes like octroi, CST, VAT etc. The procedural bottlenecks make it a difficult experience for suppliers and e-commerce companies to procure goods from another state or cater to markets outside the home state. With the proposed new system, as various existing indirect taxes are integrated into one taxing structure, the inter-state movement of goods is expected to improve to a considerable extent.

Increased competition

The e-commerce companies are not the only ones to benefit from the improved facilitation of inter-state movement of goods. The physical store retailers would too benefit from it. With GST in place, it is expected that inter-state procurement of goods will see a rise and retailers will aim to capitalize on newer markets outside their home state. The reduced tax burden (because of GST) will also enable the retailers to compete more fiercely with the e-commerce companies in terms of the product line and product pricing, especially in the local markets.


In the present system, there are some ambiguities regarding the taxation of the discounts offered by the e-commerce companies. The GST will be applicable on the transaction value and any discount offered will have to be explicitly mentioned in the invoice. However, if the discount is offered after the sale or is not explicit, it will be subject to GST.

On a concluding note, GST seeks to overhaul the existing indirect tax regime and replace it with an integrated version towards a One India One Tax system. It will also bring more clarity and transparency in the applicability of rules and regulations pertaining to indirect taxes in India.

It looks as if the e-commerce sector will undergo a phase of change as GST seeks to streamline the taxation structure. The TCS part might be considered for a revision which we will have to wait and watch in the coming weeks.

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Church of Scientology: ‘”Anonymous’ will be stopped”
Church of Scientology: ‘”Anonymous’ will be stopped”

Monday, February 4, 2008

Claiming that “actions are being taken”, a person replying to emails to the Church of Scientology has responded exclusively to Wikinews regarding the recent attacks on their web sites from the nebulous “Anonymous” group. In an effort to get the Church’s side of the story, Wikinews freelance journalist Brian McNeil located a contact address, A “Laetitia” responded, ignoring a detailed list of questions that would have given information on the damage inflicted on the Church and action taken. Instead non-specific comments about how the Church is handling the issue were given. She first started by asking if Wikinews was “part of Anonymous or are you pro-Scientology?”

“Activities of Anonymous have been reported to the Authorities and actions are being taken. Their activities are illegal and we do not approve of them. At the same time, our main work is to improve the environment, make people more able and spiritually aware. … yes, we are taking action,” said Laetitia.

‘Anonymous’ first came to public attention when the group launched denial-of-service attacks against the Church’s website, following the Church’s attempts to remove a promotional video featuring Scientologist Tom Cruise from YouTube. Although YouTube is complying with the requests to remove the video, other sites such as have stated that they will continue hosting the video.

Fielding expert opinions on the Church’s response, Wikinews turned to Andreas Heldal-Lund, the creator of the Operation Clambake project, as well as a former Scientologist who wished to remain anonymous.

“I believe strongly in freedom of speech and, living in the best country in the world, I came to the conclusion that I had to help protest this cult. To me CoS [Church of Scientology] was then, and still is, a fascistic organization and a real threat to our democratic principles,” said Andreas Heldal-Lund, the creator of Operation Clambake.

“The strategy was to disarm the cult; if they took down something I linked to, I had made preparations to link to another copy or host it myself. The more they resisted it the more attention we got, the more the information was spread and the more people got involved. It felt like a cat and mouse game for many years. What for me started as a weekend stunt grew far beyond my initial scope and Operation Clambake became the site most critics linked and referred to,” added Heldal-Lund.

Heldal-Lund states that the effort of the Church to remove criticism of its organization from the web is failing.

“The cult ‘Orgs’ are ‘dead’. Recruiting in most western countries where they once experienced a healthy organic growth is very hard. All their most secret documents are spread beyond recall and easily available for anybody interested. More people than we ever dreamed now know about Scientology and at least that it ‘smells fishy’. All the information we once fought day and night to protect is now easily available for free and on the top of Google. The cult has even given up threatening us,” added Heldal-Lund who also said that there are “no major lawsuits ongoing or pending” against Operation Clambake.

“We are taking action, Anonymous will be handled and stopped, but not to the detriment of us stopping all community outreach activities. We’ve had people throw attacks at us in the past as they do not agree with the betterment of people. History is strewn with such people who start wars, wreak havoc etc. and they never continue to exist in the long run as their purpose is one of destruction. That’s a statistical and historical fact,” stated Laetitia.

Laetitia had earlier stated that Wikinews was not allowed to use the quotes that they provided saying they, “have a problem with [Wikinews] quoting this. You are writing on a help website and it isn’t the right source for the “Scientology opinion,” but later acknowledged that the inquiries were of a press nature stating, “you have made it clear [that you are a journalist] and I appreciate you being upfront on the matter.”

An expert evaluation on the e-mails by a former Church member and expert on the religion reveals that Laetitia may have slipped, providing information that she may not have been authorized to provide.

“The person you were speaking to was from the ‘Planetary Dissemination Org’ (PDO), a unit within the Sea Org responsible for promoting Scientology to new recruits which is responsible for Scientology’s websites. Most probably, the person that you were talking to did not have permission to talk to the press, which is why the person got edgy when publication was talked about. Judging by the way she responded, I am of the opinion that she felt that Wikinews was ‘PTS’ [Potential Trouble Source] as a result of being connected to whoever Scientology believes ‘Anonymous’ is, thus was attempting to handle Wikinews’ suppressive tendencies that they believe would occur as a result. It is also interesting to note that she followed a Scientology training document entitled ‘BTB 10 DEC 1969 REPORTER TRs’,” said the expert who wishes to remain totally anonymous.

“‘Then using different questions, the PRO [Public Relations Officer] gives ‘no answers’. The trick is to appear to answer the question by giving generalized statements in simple terms so that the reporter doesn’t realize his question hasn’t been answered’. Aside from being an obvious filibuster, it also shows she has been trained to deal with reporters,” added the expert who also said that the question the Church asked Wikinews: ‘Are you part of Anonymous or are you pro-Scientology’, “I find this particularly interesting as an example of Scientological for-or-against logic. In other words, if you aren’t pro-Scientology, the writer reasoned, you must be a member of Anonymous because you wouldn’t be writing to her.”

As the war between the Internet and Scientology rages on, the owner of says that he is prepared to “re-enter the CoS scene”, and respond to The Regime, a hacker group which attempted to shut down 711chan using keylogging to gain an administrator password to 711chan. Prior to the site coming back online this morning, Plasma, the owner and operator of, had this to say;

“The g00ns, one of our allies, are working on getting “The Regime” and told us to get right back into the CoS scene — which means as soon as 711chan is back online, we will be re-entering raid mode.” Also, despite earlier claims and suspicions that The Regime might have been hired by or be part of the Church of Scientology, Plasma told Wikinews that The Regime “are not part of the Church. g00ns [organization] have a long history with ‘immortal’, and what ‘immortal’ is trying to do is get at g00ns by using 711chan. It’s nothing against us.”

The website came back online this morning, and already over 18,000 posts have been made on its functioning imageboards. The owners have, via a message posted on the homepage of the site, promised to restore the other boards in the coming weeks dependent on which boards the users would like to see revived. One Anonymous user of the site had this to say about the revival, “711 is patched up and ready to take it’s place among the Legion.”

Worldwide protests have been scheduled by ‘Anonymous’ to take place against the Church on February 10, 2008. There are expected to be at least 217 protests taking place on the 10th at Church headquarters around the globe.

In a poll conducted by Wikinews on 816 internet news readers, 80% (660) said that The Internet will win the war against Scientology. 7% (63) said that the Church would win. 8% (66) said neither side will win and 3% (27) didn’t care.

Canada’s Don Valley East (Ward 33) city council candidates speak
Canada’s Don Valley East (Ward 33) city council candidates speak
This exclusive interview features first-hand journalism by a Wikinews reporter. See the collaboration page for more details.

Saturday, November 4, 2006

On November 13, Torontonians will be heading to the polls to vote for their ward’s councillor and for mayor. Among Toronto’s ridings is Don Valley East (Ward 33). One candidates responded to Wikinews’ requests for an interview. This ward’s candidates include Zane Caplan, Shelley Carroll (incumbent), Jim Conlon, Sarah Tsang-Fahey, and Anderson Tung.

For more information on the election, read Toronto municipal election, 2006.

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US president Obama, Congress call for blocking of executive bonuses at AIG insurance company
US president Obama, Congress call for blocking of executive bonuses at AIG insurance company

Wednesday, March 18, 2009

United States President Barack Obama stated Monday that insurance giant AIG is in financial trouble due to “recklessness and greed,” and called for legal action to stop the company from giving out millions of dollars in bonuses to its executives.

“It’s hard to understand how derivative traders at AIG warranted any bonuses, much less $165 million in extra pay,” Obama said. “How do they justify this outrage to the taxpayers who are keeping the company afloat.”

Obama’s statement comes after reports surfaced last weekend saying the insurance agency, which is in deep financial trouble, had paid US$165 million to executives in bonuses, after receiving $170 billion as part of a government bailout plan.

AIG has said that the bonuses have to be given out, as the company is legally required by contract to do so. A representative with the National Economic Council, Lawrence H. Summers, also said that the bonuses were required to be given out. If AIG had refused to give out the bonuses, employees could file a lawsuit against the company for the money.

“We cannot attract and retain the best and the brightest talent to lead and staff the A.I.G. businesses — which are now being operated principally on behalf of American taxpayers — if employees believe their compensation is subject to continued and arbitrary adjustment by the U.S. Treasury,” AIG CEO Edward M. Liddy said in a letter addressed to Treasury Secretary Timothy F. Geithner on Saturday.

Liddy said that he asked Geithner “to use that leverage and pursue every legal avenue to block these bonuses and make the American taxpayers whole.”

“I want everybody to be clear that Secretary Geithner’s been on the case,” Obama said. “He’s working to resolve this matter with the new CEO, Edward Liddy, who, by the way, everybody needs to understand, came on board after the contracts that led to these bonuses were agreed to last year.”

If the bonuses cannot be stopped, the U.S. Congress says they want AIG to reimburse the government. Congress is looking to impose stiff new taxes on the pay, or ordering the company to return the money which was originally granted from a government bailout. In a letter to House Speaker Nancy Pelosi on Tuesday, senator Richard Shelby promised that the treasury will recover all of the money. Several U.S. senators along with Liddy have sent letters to AIG asking for the bonuses to be renegotiated, something AIG agreed to and says they will reduce future bonuses by 30%. Senators state that if Libby does not respond by renegotiating the bonuses, the Senate Finance Committee will propose an excise tax. Not only will an excise tax be proposed on AIG, but all companies receiving bailout money and their employees who receive bonuses.

What is the highest excise tax we can impose that will stand up in court? Let’s find out.

Numerous House Democrats have introduced legislation which would place a 100% tax on any bonuses of over $100,000 from companies that are receiving government bailout funds. Meanwhile in the Senate, a bipartisan proposal by Max Baucus (D-Montana) and Charles Grassley (R-Iowa) would levy a special 90% excise tax on AIG’s bonuses. Asked Senator Baucus, who chairs the Senate Finance Committee: “What is the highest excise tax we can impose that will stand up in court? Let’s find out.”

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Details Fact About Medical Termination Of Pregnancy}

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Submitted by: Richard MacLeod

Abortion Pill (Medical Termination of Pregnancy or MTP) has picked up a ton of distinction and ubiquity as the main oral preventative pharmaceutical that can lead premature birth at home and without the support of whatever other clinical instruments or anesthesia. This drug Kit contains Mifepristone well-referred to Ru486 has been viewed as the best measure to end pregnancy in a common manner or as ahead of schedule unsuccessful labor. 1 Single Kit of Mifepristone and Misoprostol are the two substances intensify that are available in mixture in this medicine.

The best and safest way a woman can do an abortion herself until the 12th week of pregnancy is with the use of two medicines called Mifepristone (also known as the abortion pill, RU 486, Mifegyn, Mifeprex), and Misoprostol (also known as Cytotec, Arthrotec, Oxaprost, Cyprostol, Mibetec, Prostokos or Misotrol). If you live in a country where there is no access to safe abortion services and you would like to obtain a medical abortion with Mifepristone and Misoprostol.

Buy MTP Kit online which is contains Mifepristone 200mg and Misoprostol 200mcg Tablets. Each one Single 1 pack contains 5 pills of takes after medications. It is safe and secure to use.

1 tablet of Mifepristone – 200 mg and 4 tablets of Misoprostol (Each containing Misoprostol – 200 mcg).

Vital Note: MTP (Medical Termination of Pregnancy) Kit Only Effective for 0 – 12 weeks (short of what 63 days of pregnancy) If More than 12 Weeks (more than 63 Days) of Pregnancy Contact Doctor and request discussion.

MTP kit Dosage information:

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Mifepristone 200 mg orally took after 13 days) (after 72 hours by misoprostol 800 mcg (4 tablets of 200 mcg) may be managed vaginally or orally (by mouth) contingent on inclination and measure of dying. Unit may be controlled by a clinician or self-managed by the lady. For ladies at 4963 days of incubation, if premature birth has not happened 4 hours after organization of misoprostol, a second measurements of misoprostol 400 mcg (2 tablets of 200 mcg) The patient ought to visit for a catch up visit more or less 14 days to affirm by clinical examination or ultra – sonographic output that a complete end of pregnancy has happened.

Restorative premature birth treatment disappointments: Patients who have a continuous pregnancy at this visit have a danger of fetal mutation coming about because of the treatment. Surgical end is proposed to oversee medicinal fetus removal treatment disappointments.

The Kit is normally proposed to be taken under your restorative expert supervision.

Critical data:

It is critical for patients to be completely educated about the issues and dangers of therapeutic premature birth with mifepristone and misoprostol. Patients need to comprehend:

Risks and profits of all accessible alternatives; therapeutic or vacuum premature birth choices.

Detailed data about picking a particular regimen; whether it is a FDA affirmed regimen or an unapproved interchange regimen ordinarily utilized by suppliers.

The time allotment the patient can anticipate that the whole process will take.

The measure of draining a patient may encounter, including the extent of clumps and the embryonic tissue a patient may see.

The dangers, cautioning signs, symptoms, conceivable inconveniences or passing.

Pain administration; catch up forethought, and what to do if the patient has any inquiries.

Accessibility to a restorative consideration office if there should arise an occurrence of a crisis.

The requirement for catch up visits particularly on the fourteenth day after mifepristone is directed to affirm the pregnancy has been ended and there are no inconveniences.

About the Author: Hi friends, this is Richard MacLeod from UK. I am completed P.HD in Pharmacy. Now working in

as medical adviser. Also i write blog on Men’s and womens health also other health related disease; like Antabuse, Xenical, Lyrica, Mifeprex, etc. For more please visit :


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Eurovision ’04 winner Ruslana discusses her paths as singer, spokesmodel, stateswoman and source of inspiration
Eurovision ’04 winner Ruslana discusses her paths as singer, spokesmodel, stateswoman and source of inspiration

Monday, March 30, 2009

First becoming famous in her native Ukraine in the 1990s, long-haired self-described “AmazonRuslana gained international recognition for winning the 2004 Eurovision Song Contest with her song “Wild Dances,” inspired by the musical traditions of the Hutsul people of the Ukrainian Carpathian Mountains.

In the five years since, Ruslana has decided to use her name and public status to represent a number of worthy causes, including human trafficking, renewable energy, and even the basic concept of democratic process, becoming a public face of Ukraine’s Orange Revolution and later serving in Parliament.

Currently, she is on an international publicity tour to promote her album Wild Energy, a project borne out of a science fiction novel that has come to symbolize her hopes for a newer, better, freer way of life for everyone in the world. She took time to respond to questions Wikinews’s Mike Halterman posed to her about her career in music and her other endeavors.

This is the fifth in a series of interviews with past Eurovision contestants, which will be published sporadically in the lead-up to mid-May’s next contest in Moscow.

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